Abhishek Srivastava
Manager
Jhansi
Summary
Experienced loan department manager with a proven track record in managing loan operations and ensuring compliance with industry regulations for over four years. Expertise in loan processing, underwriting, and servicing, consistently meeting organizational goals while delivering exceptional customer service. Skilled in analyzing financial data and mitigating risks to enhance loan portfolio performance. Effective leader with strong communication skills, fostering teamwork and implementing technology-driven process improvements.
Overview
8
8
years of professional experience
Work History
Manager
HDFC Bank
12.2022 - Current
- To cater 50+ customer in a day with understanding of home loan functionality as it brings continuation of loan to longer duration better loan book size and revenue to the company
- Initiating 25+ customers understand the concept of amortization how the loan cycle works and changes as per their need for better loan experience
- Expand the loan book size to 2+ times on YOY basis for better revenue to the company
- Great customer experience of 50+ customers for retention and market share growth to the company
- Disbursement of 40+ loans post collection of all necessary requirement for regulatory thus end point for all compliance to be met
- Checking the duality of 80+ loans as per the technical and legal understanding of their property with the help of ratios LTV, LCR
- Check the 100+ duality of loan as per the credit worthiness of customer as per his earnings , savings , investment with the help of ratios like FOIR –
- For employed FOIR is taken 55% of earnings and for self-employed 75% - 100% of his earnings which help in the calculation of loan need to be given to the customer
- Loan need to be also categorized depending on the need and condition of the regulatory from the type like home loan for 100+ customers
- Loans to 50+ customers are also given & prevailing as construction loan, renovation loan, extension loan , improvement loan
- Study the loan that it is also through direct purchase of house in direct allotment or resale case and such loan gets rebate in 80C and 24 B section of income tax , other loan also exist like loan against property , reach loan for low income of rural properties
- Screen the CIBIL of 10+ customers who must be good repayer in past and currently hold capacity to repay the same thus post such check
- Analyze from CIBIL and security is mortgaged which value should be 20% more than the loan size in total exposure.
- Check & Analyze the legal status of the 100+ properties that it is free from all encumbrance thus on all checks needs to make the final disbursement of the funds
- Supply the requirements to 30+ customers for the running loan or newly required loans like Emi increase, repayment, paper release
- Overview the new loan durability or sealability of the property also of 20+ customers in a day
- Recovery of lakhs of dues from 50+ customers in a day, if EMI lapses and if NPA helping CRM in the surface of the property – if Emi is 3 months or more due it is covered under NPA
- Maintain &updating loan book in 10 to 20 days by increase the loan on monthly basis and retention is Lum some payment
Manager
Kotak Securities
04.2022 - 12.2022
- Handling 20+ institutional clients for suggestions currency view , commodity
- Looking into 10+ RF bonds for hedging positions for importer and exporter and trading
- Helping to earn great potential profit , even 100+ order placing through Odin and omnesis and neat software
- Analysis of time to time change in interest rate of 50+ stocks in a day for forward position through Bloomberg
- Suggesting market view, global change in inflow or outflow of FII and DII to over 100+ customers
- Help in 20+ client's taking trade till settlement of ledger on daily basis
Assistant Manager
ICICI Securities
06.2019 - 03.2022
- Suggested 25+ clients in a day to invest in stocks along with averaging of 10+ stocks in a day
- Recommended 50+ solutions of derivative market strategy in option and future like option selling strategies
- Future position creation, long term 50+ investment calls, service to clients on daily basis
- Serving 2000+ HNI customers, making them understand the portal of ICICI and help them start with trading
- Diversify investing from 100+ stocks to future and option and stating the risk on Investment with the help of research team
- Generating revenue from the existing set of 1000+ clients
Tax Advisor
H & R Block
03.2018 - 10.2018
- Tax filing for 100+ clients for salary and their capital gains to maintain a secure system to keep track of client information to ensure confidentiality.
- Audit for 100+ data of Tata motors
- Data reconciliation of 100+ files of data and setting them out in an organized way
Education
PGDM - Finance
ITM
Navi Mumbai07-2019
B.Com - undefined
Bundelkhand University
Jhansi06-2018
Skills
Finance and market analytics expertise
Knowledge of regulatory compliance
Product insights development
Customer support orientation
Resolution of problems
Technological proficiency tools
Strategies for options and futures trading
Mitigation of financial risks
Skills in market evaluation
Expertise in financial analytics
Assessment of investment opportunities
Evaluations of portfolio strategies
Timeline
Manager
HDFC Bank
12.2022 - Current
Manager
Kotak Securities
04.2022 - 12.2022
Assistant Manager
ICICI Securities
06.2019 - 03.2022
Tax Advisor
H & R Block
03.2018 - 10.2018
PGDM - Finance
ITM
B.Com - undefined
Bundelkhand University