Arpit Rahangdale

* Working in the unsecured business loan department as a Territory Manager in the Ahmedabad location also handling North Gujrat Region in business loans and drop-line overdraft facility products.

* Conduct detailed credit risk assessments of term loan applications, reviewing financial statements, business models, and industry performance to determine creditworthiness.

* Prepare and present comprehensive lending report for credit appraisal , ensuring that all risk factors are identified and mitigated.

* Analyzed sales data to identify trends and opportunities for growth.

* Established relationships with key customers, channels and branches in the area.

* Developed and implemented strategies to increase sales in assigned territory.

* Ensure timely documentation, loan disbursement, and post-disbursement monitoring for credit facilities.

* Worked in the SME department in the Ahmedabad region.

* Collaborate with the underwriting team to ensure compliance with bank policies and regulatory guidelines while providing recommendations for credit approvals.

* Handled pre-credit assessment for SME product, statistical analysis for sales target & relationship management.

* Analyzing the creditworthiness and credit risk of the applicant and co-applicant based on individual CIBIL and commercial CIBIL report.

* Analyze business trends and sales figures to formulate new strategies in the identified potential business catchment area.

* Managing the quality of portfolio sanction formalities, including documentation, disbursement, and loan pricing.

* Manage a portfolio of MSME clients, maintaining strong relationships to ensure timely loan repayments, and addressing client concerns regarding financial solutions.