Atul Kadam
Mumbai
Summary
Experienced financial professional with a solid understanding of risk profiles and client relations. Talents include facilitating approval processes, recordkeeping, and financial statement review. Highly organized and attentive to details.
Overview
8
8
years of professional experience
Work History
Credit Manager
HDFC Bank Ltd
Mumbai
02.2024 - Current
- Processed loan applications from start to finish, including document collection, verifying customer information, and obtaining necessary signatures.
- Reviewed loan documents to assess creditworthiness and compliance with bank policies.
- Analyze the borrower's financial background and calculate their obligations in relation to their income to determine the borrower's capacity.
- Conducted calls and in-person meetings with the potential borrowers to assess their capacity to repay loans.
- Prepared notes on findings related to loan review activities for senior management review.
- Negotiated with borrowers to reach a mutually beneficial agreement on loan terms.
Credit Risk Analyst
Eduvanz Financing Private Limited
Mumbai
03.2022 - 01.2024
- Responsible for the credit assessment of loan profiles, analyzing their financial data, and evaluation of loan documents to identify signs of fraudulent activities & to ensure their accuracy and completeness.
- Conducted telephonic discussions and risk assessments on potential applicants based on previous borrowing history, credit rating, and other factors.
- Collaborated cross-functionally with sales, operations, and other departments to facilitate case login to post-disbursement processing.
- Adhered to the prescribed underwriting standards of the bank credit policy & ensured quality process
- Underwrote PAN India cases.
- Prepared the individual institute's portfolio MIS.
- Prepared spreadsheets, reports & opinions for lenders on new, renewal, and existing loans.
- Handled team processing of Loan foreclosure, Settlements, Refunds, and cancellations.
- Handled loan Closure and sending FC calculations to the institute.
- Checked payment and accordingly closed the loan in the system and with the lender partner.
Back Office
Aditya Birla Capital
Mumbai
03.2021 - 03.2022
- Worked in business Travel, Health, and Education
- Handled the process of case login until disbursement
- End-to-end quality checking of KYC and raising and resolving queries
- Monitored regulatory reports from Web /mobile base journey completion data, Field Investigation, and Docs collection to post disbursements
- Ensured timely updating of Agency status & Sales updates, developing, and improving timeliness and accuracy of MIS / Data reporting with TAT
- Prepared analytical reports highlighting the Internal target trends and cross sales of various products, pendency of mandatory NACH registration
- Provided support & daily MIS to various corporate business segments and related products, sanction amount, utilized amount, loan over dues, limit breach, DPD, SOA.
Sr. Dc Assistant
Myntra Logistic
Mumbai
12.2018 - 03.2021
- Handled daily basis shoots cash flow & performance reports
- Handled Shipment Inventory
- Resolved customers' issues through email.
Back Office
Sureprep India Pvt
Mumbai
12.2017 - 11.2018
- Worked in the loan process department (Back office)
- Verified loan application details and information.
Back Office
Fortis Hospital
Mumbai
09.2017 - 11.2017
- Coordinated with the Insurance companies for settlement of Patients' Medical insurance reimbursements
- Handled invoicing & payment tracking
- Prepared Ledgers & Accounts Reconciliation
- Prepared MIS.
Shop Direct
Merwans
Mumbai
08.2016 - 08.2017
- Handled In Out Cash Flow
- Handled Vendor Payments that are in cash
- Handled Daily Cash Flow Account
- Handled Cash Inventory
- Handed over Daily Cash Report to Manager / Director.
Education
Bachelor of Commerce -
Yashwantrao Chavan
01.2015
H.S.C -
K.G. Mittal College
01.2011
S.S.C -
Utkarsh Mandir, Malad (W)
01.2009
Skills
- Advance Excel 2013
- Basic and advanced tally ERP 9 GST
- Entry of Sales, Purchase, and Cash
- Risk Assessment and underwriting
- Data Entry Operator
- Diploma in Digital Marketing
- Google Ads
- Mobile marketing
- Email Marketing
- Google analytics Basics
Hobbies and Interests
- Gym/workout
- Cycling
- Road Trip
- Playing & Watching Cricket
- Reading Books
Timeline
Credit Manager
HDFC Bank Ltd
02.2024 - Current
Credit Risk Analyst
Eduvanz Financing Private Limited
03.2022 - 01.2024
Back Office
Aditya Birla Capital
03.2021 - 03.2022
Sr. Dc Assistant
Myntra Logistic
12.2018 - 03.2021
Back Office
Sureprep India Pvt
12.2017 - 11.2018
Back Office
Fortis Hospital
09.2017 - 11.2017
Shop Direct
Merwans
08.2016 - 08.2017
Bachelor of Commerce -
Yashwantrao Chavan
H.S.C -
K.G. Mittal College
S.S.C -
Utkarsh Mandir, Malad (W)
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