Sandeep Kumar

  • Ambala HR

Credit & Ops Executive

Work History

Work History
2012 - 2014

Credit & Ops Executive

e-Nxt Financials Ltd. (Tata Motors FINANCE LIMITED)

Assisted customer in processing all consumer loans and documented process.
Coordinated with banks and customers and implemented all loan programs.
Performed customer service activities and resolved all customer requests.
Monitored all customer issues and resolved it to maintain good customer relationships.
Prepared records of all daily activities.
Coordinated with various departments and escalated issues whenever required.
Scheduled work and participated in Dealer meetings and ensured resolution of all customer concerns.
Trained new employees and subordinates on bank work.
Develop good business relation with the customer and Dealers to make a good portfolio. Develop, implement new growth driven sales strategies for augmenting sales and meeting, sales targets on monthly basis. Cross selling TML & TMI Products

2009 - 2012

Credit Underwriter

In finity Commercial (HDFC Bank)

To give status to local Credit for the files and doing DDE & Pitching in Loan Organisating System.
Knowledge of commercial credit principles and financial concepts, Expertise in business and individual tax return analysis, Wide knowledge of effective credit analysis.
Credit Administration - File decisions within the defined TAT as per the policy. Preparation of MIS.
Compliance: - Responsible for Audit and Regulatory compliance for the Location. Ensure 100% adherence and compliance to the group credit control policy.
Responsible for checking the internal relationship with customer by using the Dedupe system & of external customers by using CIBIL system.
Responsible for deviations check in a file and having authority to control the CPA/CPV discrepancies and control it. Ensuring that there is `NIL"Discrepancies in loan documents.
Cross check the documents submitted by the customer, Processing of the loan applications examination of the financial documents and Credit ability of the customer, Preparation of the credit memo for decision. Ensuring all the files are disbursed as per TAT and Policy and there should be No excess/Short disbursement.
To push Sales Team for improving E2E TAT. Assist the sales team; Field sales team and customers to resolve credit and sales issues
Regular Training sessions for Sales / credit Ops / CPA resources /Channel Partners / Filed sales sta�ff on the various product policies & processes to ensure smooth functioning.
Close co-ordination with sales, collection and operations & Risk Management for business growth and portfolio health. Maintenance of Proper records for Audit purpose.
Analyzed, documented and communicated risks, controls.

2005 - 2009

Credit Operations Executive

S.J. Finance & Capital Services (Chartered Accountant)

Working in S.J.Finance & Capital Services (Having C P A agency of
HDFC Bank) as Credit & Ops Controller responsible for the following job accountability: -
To check the Files for login according to HDFC Policy(All products Like
PL,BL,STPL,AL,UCL,CAR N CASH, TW,LTBL). Handle the tasks of
preparing financial analysis of organization to support the management. Verification of loan documents, property documents as per legal opinion,valuation report, compliance of approved terms and conditions.
Maintaining Turnaround Time for evaluation & processing of deals.
Maintenance of proper records as per defined process. After Credit Approval checking of pre disbursal documents.
Regular training to Verifiers regarding policy changes.
Keeping the track of all the products. To monitor CPV TAT. Making of CAM & Credit Underwriting.
Co-ordination with operation department for data input. Checking the files for final Disbursal.

Education

Education
2000 - 2003

Bachelor of Arts

Kurukshetra University

SUBJECTS:- ENG- Language Through Literature - 1A
ECO- Introduction to Banking and the Financial System in India.
POL- Basic Principles of Political Science.
Hindi- Aadhunik Kavya & Grammar.

Skills

Skills

Health maintenance

Property

Loan Documents

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