Akash M Kanojia
Program Manager
Mumbai
Summary
As per my previous mile stone. I was a skilled Credit Underwriter and handled 2 product Credit Card & Personal loan. Credit Analysing of fraud and error related to document . Scrutinising the verification report, Accessing credit report (Cibil) to assess the credit worthiness of the customer and to avoid taking risky customer and ruining the risk of defaults.
In my current organization I handle LAO ( Life Advisor Office) empanelment in which i trigger RCU verification and sales compliance check to check the profile of Proposed LAO. Performance management of Existing LAO and also used to handle LAO payout and communication of Kotak agency channel
Overview
8
8
years of professional experience
8
8
years of post-secondary education
3
3
Languages
Work History
Programme Manager
Kotak Life Insurance
04.2023 - Current
- Performance Management of Kotak Agency Partner
- LAO (Life Advisor Office) empanelment-RAG analysis, RCU verification, compliance monitoring
- Processing LAO bonus payout and office maintenance allowance on monthly basis
- Monitoring performances maintaining data on daily basis of Licence Agent to Life Advisor officer
- Scrutinizing the verification report to perform background check of partners' profile
- Monitoring MIS related to partners on weekly basis
- On monthly basis making invoice payment of different vendors viz; Verification Vendor, Data vendor, Interakt Team (Meta)
Credit Manager (Unsecured Loan - Personal Loan)
HDFC Bank
09.2022 - 04.2023
- To ensure portfolio quality for Unsecured Product in the location, while maintaining the service levels (TAT) to the customer (Internal and External)
- To reduce data entry errors as part of underwriting
- Analysing the Fraud and errors related to documents
- Adherence to the policy/process laid out by the Central team on all applications being processed
- To monitor non-starters/ Cheque bounce trends, maintain adequate knowledge of channels and their sourcing pattern
- To ensure Audit compliance and regulatory compliance for the location
- To ensure Deferral Clearance by Coordinating with Customer if required need to conduct Personal Discussions also, Sales and OPS Team
- To interact closely with other functions such as Sales/Operations/Collections/CPU/Policy/Product
- Knowledge of Retail Assets Personal Loan Product and Policies
Credit Manager
IDFC First Bank
11.2021 - 09.2022
- Credit Underwriting of Credit Card applications basis various programs
- Vendor management, Raising bills and Payment's follow-ups
- Handle Escalation from Sales and Customer services
- Working on Rural Segments, with help of Branch Head Recommendation
- Calculate the credit limit on basis of applicant Income, Cibil Report, Bank statement and verification report
- Focus on better approval rates, lower delinquency and minimizing risk factor
- Maintaining Expected TAT with Accuracy
Credit Manager
Kotak Mahindra Bank
10.2018 - 10.2021
- Credit Underwriting of Credit Card applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities
- Responsible for analysing customer's Financial statements and ensuring overall documents like Income Docs (ITR or Pay slips) are accurate complete and compliant
- Credit approval and ensuring credit card issuance within TAT
- Scrutinizing of verification reports to assess the credit worthiness of the customer
- Accessing credit reports and scores from CIBIL to avoid taking risky customers and running the risk of defaults
- Focus on better approval rates, lower delinquency and minimizing risk factor
Intern
Sukkhi.com
05.2017 - 07.2017
- To understand the costing process of online sales
- To understand various cost sheet and profit margin from manufacturer
- To identify various techniques to improvise profit margin by online sale
Education
MMS - Finance
GNIMS
Mumbai 01.2016 - 04.2018
BCOM - undefined
SANT GADGE MAHARAJ COLLEGE
Mumbai 01.2012 - 04.2015
H.S.C. - undefined
SANT GADGE MAHARAJ COLLEGE
Maharashtra 01.2011 - 04.2012
S.S.C - undefined
ST IGNATIUS HIGH SCHOOL
Maharashtra 01.2009 - 04.2010
Skills
Interpersonal and Communication skills
Summerinternshipproject
Sukkhi.com, Study of Entire costing process of online sale of Imitation jewellery with reference to Sukkhi.com., 05/01/17, 07/31/17, To understand the costing process of online sales., To understand various cost sheet and profit margin from manufacturer., To identify various techniques to improvise profit margin by online sale.
Additionalqualificationandcertification
- Basic Excel
- Tally ERP 9
Disclaimer
I hereby declare that the above mention information is correct and I bear the responsibility for the correctness for the above mentioned particulars.
Personal Information
- Father's Name: Mukesh Kanojia
- Mother's Name: Rekha Kanojia
- Date of Birth: 11/27/94
- Gender: Male
- Nationality: Indian
- Marital Status: Single
Timeline
Programme Manager
Kotak Life Insurance
04.2023 - Current
Credit Manager (Unsecured Loan - Personal Loan)
HDFC Bank
09.2022 - 04.2023
Credit Manager
IDFC First Bank
11.2021 - 09.2022
Credit Manager
Kotak Mahindra Bank
10.2018 - 10.2021
Intern
Sukkhi.com
05.2017 - 07.2017
MMS - Finance
GNIMS
01.2016 - 04.2018
BCOM - undefined
SANT GADGE MAHARAJ COLLEGE
01.2012 - 04.2015
H.S.C. - undefined
SANT GADGE MAHARAJ COLLEGE
01.2011 - 04.2012
S.S.C - undefined
ST IGNATIUS HIGH SCHOOL
01.2009 - 04.2010
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