Experience

FamilyCredit Limited
• India
• Financial Services
• 1 - 100 Employee
• Asst. Manager

  • Sep 2010 - Present


Family Credit Ltd

• Sr.Underwriter

  • Sep 2010 - Present

  Verifying documents & application forms. Recruiting, coaching and development of team to ensure productivity and operational efficiency Underwrite the cases with strict credit policies Handle the Four-Wheeler cases of entire north locations. Resolving deviation approvals required at L4 level. Pitching the file for deviation approval to RCM. Providing feedback on file quality to RCM. Proper policy training to sales executive & the RM's. Location visit on monthly & quarterly basis----to view the area & profile. Monthly basis, analyze the approval & rejection %, Handling the FI & RCU agency for daily submission of verification reports and to maintained TAT Show less

• Credit Officer

  • Dec 2007 - Aug 2009

  NBFC arm of Société Générale group in India Target fulfilling of manual logins, going through internal checking, system logins, maintaining TAT & seeing over the verifications as well as giving decision on FI reports. Looking after TVR, CAM & target fulfilling of customers turning up for interview. Supervising data verification and field investigation activities with a view to obtain accurate information to assess the credit worthiness of clients, making collection of post disbursal documents. Taking interviews of the customer & sanctioning of loans. Underwrite the cases with strict credit policies & disbursed the same For self-employed cases, visits in customer's shop for analyzing his monthly income & capability to repay from that income. Maintaining MIS on daily basis for comprehensive database of customers and business related information. On monthly basis, joint-visit the cases, which we funded, with sales, verifier & collection for tracing verifier market reports. Ensuring compliance with organizational credit policies in strict accordance. Handling the FI & RCU agency for daily submission of verification reports and to maintained TAT. Show less


Kolkata
• Public Policy Offices
• 100 - 200 Employee
• ICICI bank

  • Mar 2007 - Nov 2007


ICICI Bank

• India
• Banking
• 1 - 100 Employee

• Credit Officer

  • Mar 2007 - Nov 2007

  Target fulfilling of manual login & going through internal checks, system logins & seeing over the verifications as well as giving decisions on FI reports. Looking after TVR, CAM & target fulfilling of customers turning up for the interview. Supervising data verification and field investigation activities with a view to obtain accurate information to assess the credit worthiness of clients, making collection of post disbursal documents. Ensuring compliance with organizational credit policies in strict accordance. Taking interviews of the applicants & sanctioning of loans Going through final checking of the files before files being sent to opps. Show less



Citicorp Finance India Ltd

• office executive

  • Sep 2004 - Feb 2007

  A Wholly own subsidiary of CITI BANK N.A.). Handling processing for commercial vehicle & construction equipment finance under Hire Purchase/Loan for new vehicles and Loans/ Refinance against Used vehicles Due diligence of customers for offering asset based finance, includes documents verification, customer assessment, eligibility Vs offering on particular asset, trade reference check & financial reference check with the financial institution in case of any asset was finance by customer. Coordinating delinquency tracking and cross verification for fraud prevention. Maintaining MIS on regular basis for rejection proposals, fraud control unit reports & comprehensive database of customers and business related information. Coordinating with dealer, franchises & sales team in operational activities. Issuance of payment of dealer and franchises and no-objection certificates (NOC) in case of foreclosure and termination of contracts Major Achievement - Visit vendor office (MMC & GGMA) on a monthly basis to review the pdd tracking & roc filing. Show less