Arjunsinh Rana
Ahmedabad
Summary
With a rich professional background spanning more than 9 years, I have accrued extensive experience in Credit Operations and Loan Disbursement. Over the years, I have honed my skills in meticulously evaluating loan proposals, ensuring compliance with credit policies, and making informed decisions on loan sanction and disbursement to meet customer expectations promptly. My proficiency extends to fostering robust client relationships to drive business expansion and aligning team efforts with organizational goals. Additionally, I am adept at conducting thorough audits, analyzing credit quality, and identifying areas for improvement to enhance operational efficiency and mitigate risks effectively. Through periodic analysis and strategic insights, I consistently strive to optimize sourcing patterns and maintain the quality of credit assessment, ensuring alignment with regulatory guidelines and market conditions.
Overview
9
9
years of professional experience
3
3
years of post-secondary education
Work History
Manager - Disbursement
Lendingkart finance limited
Ahmedabad
09.2016 - Current
- Managing Unsecured Business Loan products within the NBC and creating comprehensive policies for the company.
- Providing regular updates and reports to the board of directors on loan activities and performance.
- Streamlining loan application procedures through to disbursement, and overseeing post-disbursement activities.
- Monitoring the entire loan process, addressing operational gaps or lapses as they arise.
- Conducting field visits for Personal Discussions (PD) to understand customer requirements and assess loan proposals.
- Collaborating with cross-functional teams to enhance product offerings and ensure alignment with market needs.
- Analyzing market trends and customer feedback to identify opportunities for product improvement and innovation.
- Developing training materials and conducting training sessions for staff on new policies and procedures.
- Implementing risk assessment strategies to evaluate creditworthiness and minimize potential losses.
- Utilizing data analytics to monitor loan performance and identify patterns that inform future lending decisions.
- Maintaining strong relationships with clients, providing exceptional customer service throughout the loan lifecycle.
- Coordinated with vendors such as RCU, FI agencies, legal, and technical teams for efficient processing, ensuring adherence to credit policies.
- Managed secured and unsecured loans, including SME LAP and SME BL, overseeing the login to disbursement process, file checking, and data entry.
- Preparing Daily, MTD and YTD MIS reports to analyze loopholes and improve efficiency.
- Utilizing various database tools like Convox, SQL, Salesforce, etc.
- Managing channel partners to ensure smooth relationships and increase revenue from various partners.
Education
BBA - Finance
L.J Institute of Business Administration
Ahmedabad, 380051 06.2010 - 04.2013
Skills
Credit Operations & Disbursement Management
Loan Disbursement & Documentation Verification
Relationship Management
Policy Development & Compliance Adherence
Risk Management & Fraud Prevention
Process Optimization
Team Leadership & Training
Customer Engagement & Retention
Financial Analysis & Reporting
Interpersonal & Communication Skills
Accomplishments
- Rewarded as Employee of the Quarter and received Hall of Fame certificate at Lendingkart for achieving desired disbursement targets and consistent good performance.
Timeline
Manager - Disbursement
Lendingkart finance limited
09.2016 - Current
BBA - Finance
L.J Institute of Business Administration
06.2010 - 04.2013