Experience

Repco Home Finance Ltd

• India
• Financial Services
• 300 - 400 Employee

• Assistant Manager

  • Oct 2022 - Present

  Housing finance

• Assistant Manager

  • Oct 2022 - Dec 2022



CENT BANK HOME FINANCE LTD.

• Credit Manager

  • Jan 2014 - Present

• SR. OFFICER CREDIT & OPERATIONS

  • Jan 2014 - Oct 2022

  Managing Credit and disbursement process of Madhya Pradesh, Chhattisgarh, Maharashtra, Gujarat states in India.Empanelment of Vendors i.e. DSA, Valuer, Lawyer, CA, RCU and FI agencies.Managing Payment of Vendors bills.Product & Sales Training of DSAs/DSTs for continuous development of distribution.Managing sourced file from login till disbursement in terms of PD, legal, technical, FI, RCU, structuring of the case and after sale services to the customers.Evaluating the credit eligibility of customer based on the customer’s financials abiding the organization’s policies & procedures.Regular audit/visit of sources/channel partners to maintain/strengthen the relation to ensure regular flow/generation of leads/files.Strengthening relation with existing clients & developing new customer to generate business & increase the branch’s productivity.Strengthening DSAs with additional scheme & imparting regular training to increase organization’s business & market share.Check delinquencies regularly and follow up & visits of these accounts with recovery team. Show less



Onicra Credit Rating Agency of India Limited

• India
• Financial Services
• 400 - 500 Employee

• ASSOCIATE ANALYST

  • Dec 2011 - Dec 2013

  Interaction with respective clients and bank for credit review process. Credit Appraisal and Credit Reporting for SMEs. Preparation of Financial Spreads. Financial Statement Analysis. Preparation of credit rating report. Presenting & recommending the rating before the committee. Have done V.A.R. (Vendor Associate Rating) of Bajaj, Ashok Leyland, TVS dealership, Tata service station and others. Interaction with respective clients and bank for credit review process. Credit Appraisal and Credit Reporting for SMEs. Preparation of Financial Spreads. Financial Statement Analysis. Preparation of credit rating report. Presenting & recommending the rating before the committee. Have done V.A.R. (Vendor Associate Rating) of Bajaj, Ashok Leyland, TVS dealership, Tata service station and others.



CENT BANK HOME FINANCE LTD

• EXECUTIVE

  • May 2008 - Dec 2011

  Handling all banking operations such as Loan disbursement, Fixed deposit entries, Recovery of N.P.A. (Non Performing Assets) & monthly closing of Accounts. Handling SARFAESI act 2002 (The Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002) process under recovery on NPA. Drafting and executing 13(2) Notices, Possession Notice 13(4), Auction Notice, News Paper Publication, drafting of Sale certificate after receiving full bidding amount. Handling Penal lawyers Payment, Recovery agency commission, monthly closing report of business in our branch and final monthly reporting to H.O. Show less