Vikash Somani Email & Phone Number

Kolkata

Kolkata, West Bengal, India

Job responsibilities include:Underwriting of both HL & LAP proposals for salaried & SENP segmentConducting PD’s of SENP customers to ascertain business model, loan requirement, analyzing cash flows, understanding end use of funds etc.Taking calculated risk based on profile, facts & figures.Co-ordination with Business Team for handling customer queries and completion of loan applications as per credit requirements.Co-ordination with Legal, Technical & RCU team for their respective cases.Ensuring timely completion of loan proposals & responsible for maintainingTAT for each application as per company policy.Keeping a check on delinquency and minimizing the same along with corrective action policies to prevent future bounces.

Kolkata, West Bengal, India

Products :Loan against properties (LAP), Funding to Hotels, Educational Institutes, Hospitals, Secured Loan against Plant and Machinery, Printing equipment, Medical Equipment, Working capital Demand Loan etc. Have earlier managed Personal Loan, Business Loan, Auto Loan & Gold Loan as well.Job responsibilities include:Credit Evaluation & Appraisal of Loan proposals in a timely manner with adherence to credit policy requirements thereby minimizing TAT, credit losses and frauds.Personal discussion with customers to understand business, cash flows, purpose of loan, etc,Training and development of team members and the channel partnersImproving the productivity & performance of credit team.Manpower and vendor managementDevelopment & implementation of new products & policies for more market penetration.Modification of existing policies & product based on market feedback.Regularly interacting with Collection Team to keep watch on portfolio and taking proper steps to control delinquency

Kolkata, West Bengal, India

Job responsibilities include :Credit Evaluation & Appraisal of Loan proposals for Unsecured LoansSuggesting & improving method to avoid funding defaulters.Ensuring proper control points and checks in credit and operationalprocedures and providing timely feedback for Process improvements.Developing process for smooth flow of files.Developing new surrogates & programs and implementing them.

Kolkata, West Bengal, India

Job responsibilities include:Analyzing the credit worthiness of the party before sanctioning loan.Preparing & Analyzing MIS to have better understanding of the sourcing pattern.Analyze delinquency pattern wise & sourcing wise and implementing means to avoid losses.Developing new surrogates & programs and implementing them.Leading and managing my team of Personal Loan & Car Insurance.