Experience

Jana Small Finance Bank

• India
• Banking
• 700 & Above Employee

• Sr. Manager Credit

  • Nov 2022 - Present

  Ludhiana, Punjab, India



HDB Financial Services Ltd.

• India
• Financial Services
• 700 & Above Employee

• Credit Manager

  • Sep 2019 - Nov 2022

  Ludhiana, Punjab, India



Bussan Auto Finance India Pvt. Ltb

• Financial Services
• 300 - 400 Employee

• Credit and Operations Manager

  • Nov 2017 - Sep 2019

  Ludhiana, Punjab, India Handling Credit and Disbursment of TW Loans



HDFC Bank

• India
• Banking
• 700 & Above Employee

• Credit Manager

  • Dec 2014 - Nov 2017

  Ludhiana, Punjab, India Handling disbursement of Mortgages/ LAP loans



SREI Infrastructure Finance Limited

• Area Operations

  • Jun 2007 - Dec 2014

  Chandigarh Worked with SREI Equipment Finance Ltd. as Asst. Manager (Credit ops) in CV & CE Loans. Srei BNP Paribas is a 50:50 joint-venture between Srei Infrastructure Finance Limited, India's leading and only private sector Non Banking Financial Institution in the infrastructure space and BNP Paribas Leasing Solutions (BPLS), a wholly owned subsidiary of BNP Paribas, France. Industry leader in the infrastructure and construction equipment financing Duties and Responsibilities in SEFPL:… Show more Worked with SREI Equipment Finance Ltd. as Asst. Manager (Credit ops) in CV & CE Loans. Srei BNP Paribas is a 50:50 joint-venture between Srei Infrastructure Finance Limited, India's leading and only private sector Non Banking Financial Institution in the infrastructure space and BNP Paribas Leasing Solutions (BPLS), a wholly owned subsidiary of BNP Paribas, France. Industry leader in the infrastructure and construction equipment financing Duties and Responsibilities in SEFPL: - Maintaining Credit Quality , Controls and Risk Parameters: Review, evaluate and synthesize data to ascertain loan viability and identify risk issues and potential fraud Evaluating customers and loan proposals in line of credit worthiness and risk angles. Adherence to credit decisioning parameters as per Credit Policy on loan proposals. Initiate and Implement process improvements for better customer experience thereby maintaining the organizations risk appetite. Suggesting parameters for De-risking of Portfolio. Compliance of KYC norms of RBI. Continuons review of existing portfolio for identification of Negative Profiles, Areas and Products. Investigations on Skip and Non-contactable customer.  Regular review and feedback on negative areas by getting the concurrence from Credit, Collection, Sales and Policy teams. Maintaining resale matrix of Asset for calculating LTV. Implementation of strong internal controls and Process. Responsible for early default cases and Infant delinquency. Show less



Centurion Bank of Punjab

• Executive Operations

  • Aug 2006 - Jun 2007

  Duties and Responsibilities : - Handling Operations of CE & CV Loans Responsible for adherence of KYC Policy Managing the Verification agencies on TAT & Decline codes, Quality Control. Handling process of disbursement of files and punching into Software. Monitoring and doing consistent sample checks on verifications and vendor processes. Train CPA agencies and Sales staff for first level document check for fraud prevention, data correction and information… Show more Duties and Responsibilities : - Handling Operations of CE & CV Loans Responsible for adherence of KYC Policy Managing the Verification agencies on TAT & Decline codes, Quality Control. Handling process of disbursement of files and punching into Software. Monitoring and doing consistent sample checks on verifications and vendor processes. Train CPA agencies and Sales staff for first level document check for fraud prevention, data correction and information completeness. Monitoring and controlling costs. Preparing provisioning for monthly verification cost. Show less



ICICI Bank

• India
• Banking
• 700 & Above Employee

• Executive Credit

  • Jan 2005 - Aug 2006

  Key Performance Areas:  Review, evaluate and synthesize data to ascertain loan viability and identify risk issues and potential fraud of Car Loans  Evaluating customers and loan proposals in line of credit worthiness and risk angles.  Loan appraisals and their compliance.  Conducting FI on case to case basis.  Responsible for Loan Documentation and quality.  Responsible for all kind of audits.