Ashish Gupta

● Credit Underwriting, Decision TAT, Quality Data Entry, PDD Monitoring, RC Limit of Channel.

● Portfolio Management- Channel wise, Location wise portfolio review.

● Non Starter, Quick Mortality monthly review.

● Developed and implemented regional credit policies and procedures.

● Identified areas of improvement in internal processes related to share feedback.

● Managed relationships with external vendors such as CPV and Valuation agencies when needed.

● Provided training, guidance, and support to junior credit staff members.

Joined HDFC Bank at Bhatinda in JLG & Tractor product there after given new responsibility at Barnala for Retail Agriculture Credit to take care Barnala & Mansa Hub. In 2019 at Sangrur to handle Sangrur and Patiala credit hub. On 2021 moved at Amritsar.

● Ensure timely decision of daily login allocation.

● Analysis PAR (Quality Check) parameter of locations.

● Cross function monthly review with business, collection.

● Monthly Mutation Check and Charge Restoration Activity.

● Annual Cam Renewal of Limit.

● Push for First Time Right Login and Decision.

● Implement all new process and amendment by giving more clarity to team in daily con-call.

● Vendor Management of lawyers, CPA, CPV agencies.

● Vendor Management of lawyer/ CPV Agency.

● Effective assessed credit risk and client (current and potential) viability.

● Performed analysis (quantitative and qualitative) of request for loans and lines of credit.

● Portfolio quality of dealer/marketing executive/ product applied/ district to ensure healthy location portfolio.

● Evinced initiative in recommending changes in credit policies.

● Cross function relationship Marketing and collection, and others.

● Vendor Management. Training to vendors/ Vendor Billing / Ensuring Vendor quality in terms of process and policy adherence

● Portfolio tracking Infant Delinquency/Early Delinquency within in 12 month 30+ and 90+ in 18 months.

● Portfolio analysis with the help of Credit MIS channel/product/location/ asset wise.

● Regular visit dealers/channel and also with Competition to develop the understanding market practices and and knowledge about market.

● Track delinquent cases and follow up regarding the repayment of EMI with the concerned RM/Channel and in house collection executive.

● Preparation of credit appraisals in line of laid down Credit Process & Policy.

● Track monthly Infant Delinquency/Early Delinquency within in 12 month 30+ and 90+ in 18 months.

● Banking Activity.

● Receiving Bounced PDC’s From Bank.

● Checking Charges of Cheque Bouncing.

● Installment Application into Contracts.

● Preparation of cash Fund Flow & Out Flow Daily.

● Transfer daily funds to Head Office.

● Expense bill management like- Repo Bill, Valuation Bill and Park yard Bill.

● Maintain Branch Expenses as well SBU.

● Performs Audit & surprise visit at others branches (Moga, Jalandhar, Ludhiana, Khanna) of the Region.

● Issue NOC’s to Customers.

● Bank Reconciliation.

● Managing a Team of 6 professionals responsible for Underwriting, telephonic Verification.

● Co-ordinate of entire operation part of the branch.

● Ensure to review proposal in line with the Organizations Policy & Process.

● Manage PDD and review high aging PDD with business/channel.

● Vendor Management of FI & FCU agency within stipulated TAT.

● PD visit at customer residence/office.

● Cross CPV verification to correct any process lapses observed.
● Monthly track Infant Delinquency/Early Delinquency within in 12 month 30+ and 90+ in 18 months with business/collection team.