Bhavya Sarin
Deputy Credit Manager
New Delhi,Delhi
Summary
Enthusiastic and experienced Deputy credit manager eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Clear understanding of financial statement, Bank statements, Income tax returns and credit reports.
I have done certification in Banking and Banking products, Functions of Credit, Accounting fundamentals, Financial Analysis, Business Communication , MS: Office and Investment and Portfolio Analysis.
Overview
3
3
Languages
8
8
Certifications
7
7
years of post-secondary education
2
2
years of professional experience
Work History
JOB TITLE – Deputy Credit Manager
IDFC FIRST BANK
Mumbai, Maharashtra
2019.12 - 2020.04
- Evaluating the creditworthiness of potential customers.
- Managed all loan and credit requests and made approval decisions.
- Maintained a database of all borrowers in accordance with bank standards.
- Ensured that all credit and loan standards were applied.
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
- Periodically reviewed lender portfolios to identify possible risks, Monitoring loan payments and bad debts.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Carried out day-day-day duties accurately and efficiently.
Branch Credit Manager
DEEWAN HOUSING FINANCE
Mumbai, Maharashtra
2018.05 - 2019.11
- Investigated and evaluated customers for creditworthiness and potential risk factors for housing loan.
- Interact with customer(Personal discussion), understand the business and observe the delinquencies.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility and recommending it to next level for decision.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Monitored accounts for signs of fraud and non-payment issues.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
Internship Student
GIC HOUSING FINANCE LTD
Mumbai, Maharastra
2017.05 - 2017.07
- Topic: Comparison of GIC Finance Ltd with other financial institutions and evaluation of customer satisfaction.
- Outcome Learned about different schemes offered by a company to its customers and process of credit underwriting from sales to disbursement.
- Learned about sanction ,disbursement and recovery process.(worked on 150 customer file for sanction and disbursement) To meet targets as per budgets.
- To grow business through DSA.
- Understanding builders expectations and retail customer expectations Maintaining Builder Relationships to ensure growth of the company.
Intern
SUMMER
Pune, Maharashtra
2016.12 - 2017.01
- Topic: Generating revenue and analysis of factors which affects the revenue.
- Outcome- Sold 255 RELIANCE GSM prepaid connections during the span of one month.
- LEARNINGS : How to generate revenue for a firm How generated revenue is used by the company How company share its part of revenue to its distributors How to convince a customer to buy your product.
Education
PGDM - Finance
Pune Institute of Business Management
Pune 2016.05 - 2018.04
Bachelor of Commerce - Commerce
School of Open Learning, Delhi University
Delhi 2012.06 - 2015.07
12th - Commerce
Raja Ram Mohan Roy Cambridge Academy
Dehradun 2010.04 - 2011.06
10th -
Dyanand Model School
Delhi 2008.04 - 2009.06
Skills
Credit score understanding
Credit risk
Financial statements expertise
MS Office software
Business Communication
Certification
NISM-Series-XII: Securities Markets Foundation Certificate
Additional Information
Done underwriting of 4000 Personal loan cases for pan India location upto the value of 40 lakhs for salaried and self employed both in the span of 5 months and 1000 Self employed Individual Housing loan cases for more than 30 lakh upto 1 cr for Mumbai locations.
Timeline
JOB TITLE – Deputy Credit Manager
IDFC FIRST BANK
2019.12 - 2020.04
Branch Credit Manager
DEEWAN HOUSING FINANCE
2018.05 - 2019.11
Internship Student
GIC HOUSING FINANCE LTD
2017.05 - 2017.07
Intern
SUMMER
2016.12 - 2017.01
PGDM - Finance
Pune Institute of Business Management
2016.05 - 2018.04
Bachelor of Commerce - Commerce
School of Open Learning, Delhi University
2012.06 - 2015.07
12th - Commerce
Raja Ram Mohan Roy Cambridge Academy
2010.04 - 2011.06
10th -
Dyanand Model School
2008.04 - 2009.06