 CreditAccess Grameen Ltd ( Previously known Grameenkoota Financial Services) (March 2018 to till date)Area Risk managerHandling 28 branches- in Maharashtra, Madhya Pradesh and CG Recruiting training of Qco on policies and procedureAchievementPAN INDIA Champion Cup 2 times for Maharashtra (Sangli and Solapur) 2019Best Qco- Aurangabad and Kolhapur Jan 2020 (out of 72 branches)Lowest attrition ratePortfolio Quality Control- 80% collection in feb 21… Show more  CreditAccess Grameen Ltd ( Previously known Grameenkoota Financial Services) (March 2018 to till date)Area Risk managerHandling 28 branches- in Maharashtra, Madhya Pradesh and CG Recruiting training of Qco on policies and procedureAchievementPAN INDIA Champion Cup 2 times for Maharashtra (Sangli and Solapur) 2019Best Qco- Aurangabad and Kolhapur Jan 2020 (out of 72 branches)Lowest attrition ratePortfolio Quality Control- 80% collection in feb 21 (MH)Initiative- Base branch Audit, Receipt Observation on every month of 5th date. Receipt Audit Observation link in Microsoft form. Organise Monthly virtual meeting - QCO with RQM to effective communication. ResponsibilitiesControl and monitor PD, BVC, LUC, TAT of Maharashtra.Monthly Audit, Monthly Highlight with GAP Analysis.GL Visit- to identify gap between RO and GL branch Kendra manager.Collection- Business Support, 90+ par collection and visit.Skip Customer Identification- Success rate- 85% -1st year and - 60% 2nd year customer identified.LAP EXPOSURE- Rs. 3 Lac to 5 lac visit, - Property physical verification, Document Verification, Actual Income of applicant and co applicant etc. Show less

Credit check - cibil, high-mark, online property paper 7/12 8A to verify.Preparing PD sheet, CFA,CAM bank statement analysis, legal and valuation initiation and followup, communicate vendor if queries, recommending the proposal to Head office. Get mortgage done. Heading Branch towards business, credit and collection.

Have done 5 Cr business in 1.5 yrs, with 2 times PAN Indian topper branch, also won several monthly contest, with special gift for consumer insurance coverave.Handled secured and unsecured loan, with minimize risk, managed to Rs 5 Cr. Portfolio.With sanctioning authority up to 3 lacs.I have to verify proposal on-line (CIBIL, high-mark, IGR for property collateral check, )and physically ( TRC- Business, Neighbor check, Resi Verification)Preparing Credit tools- CAM, CFA… Show more Have done 5 Cr business in 1.5 yrs, with 2 times PAN Indian topper branch, also won several monthly contest, with special gift for consumer insurance coverave.Handled secured and unsecured loan, with minimize risk, managed to Rs 5 Cr. Portfolio.With sanctioning authority up to 3 lacs.I have to verify proposal on-line (CIBIL, high-mark, IGR for property collateral check, )and physically ( TRC- Business, Neighbor check, Resi Verification)Preparing Credit tools- CAM, CFA, Property visit report, for loan underwriting.Recommending the big ticket loan to Sr. manager and solve query and get it approved.Follow ups for collection with the branch team.Two times PAN India topper, and achieve several monthly contest, Show less

I have to see all the functions related unsecured as well as secured loans from login files to scanning the files, till the files get booked and dispatched the documents to Chennai office. Cash Management- I also have to look petty cash, vendor’s payments, and monitoring MSEB Bill, Water Bill, and stationary bill, housekeeping expenses, EOD cash deposit in bank etc. Credit Control- Regular telephonic follow up with the customers from fresh EMI bounce customers to non starters as… Show more I have to see all the functions related unsecured as well as secured loans from login files to scanning the files, till the files get booked and dispatched the documents to Chennai office. Cash Management- I also have to look petty cash, vendor’s payments, and monitoring MSEB Bill, Water Bill, and stationary bill, housekeeping expenses, EOD cash deposit in bank etc. Credit Control- Regular telephonic follow up with the customers from fresh EMI bounce customers to non starters as well as write - off customers. Achieved 98.33% accuracy in January 09 audit file review Show less

This firm was a CPA to HDFC. I had to analyze the financial status of loan seeker & personal discussion with them. Making of financial report with the SWOT Analysis and send it to the Credit Manager in the line of credit decision