• From Jun-2022 to till date: As Branch Credit Manager at Shriram Housing Finance Ltd at Vapi.Job Profile: Responsible for Credit Personal Discussion, Approvals, Controls and Credit Process for LAP and HL products.  File Decisioning as per LAP and HL program within the defined TAT.  Work with different plat form like LOS, LMS, CART, Zing HR, Work app etc. Maintenance of Post & Pre Disbursement Documents. Portfolio Quality management, to ensure lower delinquency ratio while maintaining business flexibility, compliance of policies. Analysis of the Legal and Technical Reports provided by empanelled Advocates and Valuers. Organized Training sessions to credit officer, BSM, SM, RO every month regarding any changes in product, process and policy. To interact closely with other functions such as Sales / Operation / Collections / Policy etc in ensuring smooth day to day functioning at location.

• From Sep-2018 to Jun-2022 : As Branch Credit Manager at HDB Financial Service Ltd at Vapi.Job Profile: Assessment of eligibility of borrowers based on Income Details, CIBIL, Personal Discussion and other factors. Preparation of Credit Appraisal Memo and Analysis of various Ratios. Analysis of the Balance Sheet, Audited and Non-Audited Financial Data provided by the borrowers. Analysis of the Legal and Technical Reports provided by empanelled Advocates and Valuers. Preparation of cases and forwarding to higher authority for approval as per respective approval grid along with proper deviation codes for sign off as per policy. Ensuring proper documentation of all reports, agreements and other declarations as required by policy to maintain a healthy credit audit score and TAT.

• From Mar-17 to Sep-18: As Credit Admin Executive at Shriram City Union Finance Ltd at Vapi.Job Profile: Analyze applicant’s Financial Status, Credit and property evaluation to determine loan feasibility. Perform daily maintenance of the loan applicant database. Pull out CBIL and checking Carefully Analyze documents and inform clients of missing items. Preparation Disburse Kit and Agreement Preparation of CAM, CPV, TRC, Site Visit Report Preparation of MIS reports Sending Amortization schedule to customer and doing awareness of contract