cavarun9

USFB is a ‘scheduled bank’ having Pan-India presence, with over 59.7 lakh customers, 575+ banking touch points across 248 districts, 24 states and UTs. As on 31st March 2022, USFB’s loan book has reached Rs. 181.62 billion. The company employs over 16000 employees. Senior Credit Analyst – Personal loans • Exercised due diligence in all banking procedures and develop appropriate action plans in response to risks within bank guidelines laid down by facility Requirements. • Collaborative approach and team building skills, assisted leadership as mentored and coached junior underwriters. • Gained a deep understanding of the strategic Counterparty Credit Risk measurement system. • Effective communication and specifically the ability to summarize complex ideas in simple terms; you enjoy working in collaborations. Experience in managing and pushing forward projects. • Designed and lead business acceptance testing including preparation of test plans, execution of test cases, documentation of results and lead resolution of defects. • Proactively recognized business trends and alignment with organizational policies that could affect business practices. Make recommendations for process improvements. • Experienced in supporting customer facing operations and having strong collaboration, listening and facilitation skills.

Organization: Aditya Birla Finance Limited, India 07/2021-11/2021 ABFL ranks among the top five largest private diversified NBFCs in India. ABFL’s loan book has reached INR 493 billion. The company employs over 30,500 employees. Senior Credit Analyst – Commercial loans • Managed detailed risk analysis in authorizing the acceptance of risk and monitored the credit limits of counterparty, in accordance with Credit Process and Policy benchmark and having expert knowledge of banking regulations. • Having Knowledge of commercial lending policies, procedures, regulations, documentation, compliance issues, collateral securities and audit requirements. • Handled multiple Locations for commercial credit lending in North & East Region in India. • Accountable within the assigned portfolio for the successful negotiation and execution of account strategies with the objective of minimizing the Bank’s exposure to loan losses and maximizing all recoveries. • Build internal and external networks and implement an effective strategy to capitalize on new business opportunities.

Organization: Dhani Loans and Services Limited, India 06/2020-07/2021 DLSL provides digitised products to its consumers through Dhani Application. DLSL also caters to small and medium businesses by offering business and other loans. Assistant General Manager – Compliance • Evaluated Central Bank of India filings and periodic returns and disclosures. • Disseminating information / updates related to NBFC & PPI, Policy benchmark and Regulatory updates and actionable. • Responded and coordinated with various teams on audit observations and Assisted in conflict resolution by responding to Central bank escalations/ Complaints. • Central bank Inspection - End to end management incl. RBI liasoning, obtaining data from various departments, review of the data before submission, drafting of response. • Compliance audits: Continuous engagement with Business and support functions for review of process and policies. • Handled bank-wide projects that require a high degree of communication and stake-holder management.Organization: Dhani Loans and Services Limited, India 02/2018-06/2020 Senior Credit Analyst – Commercial loans and Personal loans • Exercised due diligence in all banking procedures and develop appropriate action plans in response to concerns/risks within bank guidelines laid down by Credit Requirements and also assessed risk in a proactive manner. • Handled multiple Locations for credit adjudication in North Region in India. • Strong understanding of regulatory legislation (AML and KYC). • Prepared and Reviewed Credit memorandums and verified income and other documents with strong understanding of risk assessments and financial analysis for making lending recommendations. • Clearly communicating with brokers, maintain Positive relationships that include negotiation and sales skills, strong organization, prioritization, traceability, time management skills and multitasking skills. • Demonstrated high degree of effort to achieve accuracy and consistency at all times. • Worked in close collaboration with business and corporate departments and corresponding with all partners through email/phone regarding all loan processing, including inquiries. • Have reconciled and coordinated reports with other departments as needed. • Have displayed commitment towards teamwork and collaboration and also worked independently in projects and other administrative support. • Adaptable and flexible with the ability to prioritise work. • Worked in high pressure and have performed multi-task in a fast-paced environment and managed high volumes to meet short timelines with a high level of quality, with a high level of integrity. • Managed multiple activities based on priorities by effective time management and organizational skills. • Informed with latest industry knowledge including: AML (Anti-Money Laundering) and KYC (Know Your Customer). • Having technologically proficiency in Microsoft Outlook, Excel, Word, underwriting and servicing software platforms.