CHANDAN AGARWAL
Summary
Proven ability to work with consistent results. Excellent analytical skills and the ability to complete assignments and get results. Dedicated and committed, willing to take on challenging roles, tough assignments, and work to tight deadlines. As a competent, dynamic, highly motivated individual possessing excellent communications and inter- personal skills, I want to obtain a position in a dynamic and growth-oriented company where I can utilize my skills and prove myself worthy of the responsibilities.
Overview
20
20
years of professional experience
Work History
Lead Channel Management
Poonawalla fincorp Limited
01.2020 - Current
- Oversaw the end-to-end channel partners onboarding process, ensuring seamless integration and alignment with company objectives.
- Managed time efficiently in order to complete all tasks within deadlines.
- Proved successful working within tight deadlines and a fast-paced environment.
- Ensuring the documentation and led negotiations of partnership agreements, successfully securing advantages terms and conditions resulting in improves partners satisfaction.
- Developed and implemented digital platform of onboarding. resulting to improves faster onboarding at per industry best. Developed and implemented streamlined payout processes, resulting in a 10 to 15% reduction in payment errors and enhanced the partners trust.
- Conducted financial analysis and reporting to Business heads to monitoring partners performance, identified opportunities for growth and drives strategic decision making.
- Collaborated cross-functionally with sales, Product team and finance team align channel activities and payouts with overall business goals.
- Providing Training and calls with channels and business on process guidelines and product and features offering.
- Ensuring regulatory compliance of documentation at the of onboarding -
- Implemented QC process to ensure compliance with company polices.
- Oversaw RC (Registration Certificate) Limit setup process and governance process for Pre-owed cars Channels.
- Having the depth knowledge of Trade advance facilities and setup process against the dealers.
- Monitoring the PDD non-compliance cases and reporting to Business Head and Risk department on higher DPD cases for immediate actions.
- Led teams of 10 Professional and managing the activities to process within TAT.
Quality Assurance Manager Operation
Poonawalla Fincorp Limited (Earlier name as Magma)
02.2010 - 01.2020
- Created and maintained documentation for required quality tests and activities.
- Reviewed workflow to enforce adherence to customer requirements and expectations.
- Outlined and implemented long-term creation and storage strategy for process and procedure documents.
- Reviewed reports and financial statements to analyze creditworthiness of potential borrowers.
- Adhered to regulatory policies and company best practices to satisfy internal and external audits.
- Monitored processes, identified gaps and resolved operational issues to correct organizational deficiencies.
- Formulated practical recommendations in response to financial control concerns and identified areas needing improvement.
- Collected and documented data from variety of sources to compile complete picture of business operations.
- Managed daily operations and monitored activities to guarantee compliance with SOPs and safety regulations.
- Evaluated training needs and conducted performance reviews to drive staff development.
- Leveraged industry and operational knowledge to develop new revenue streams.
Senior Credit Officer
E-nxt Financial Limited
01.2008 - 01.2010
- Managed month-end processing resulting in timely and accurate underwriting against Auto loan
- Preparing CAM of Auto and Commercial vehicles loan to helping regional manager to take right decision through underwriting
- Preparing and validating the financial and banking, other indicators through providing documents given by customers
- Updating the deviation and mitigations through credit score checking
- Doing RCU checking and filed verification report and status updating in CAM
- Credit processing executive
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
Credit Officer
ICICI BANK (Under Team 4 U)
01.2007 - 01.2008
- Managed month-end processing resulting in timely and accurate underwriting against Auto loan
- Preparing CAM for helping in loan decision by credit managers
- Developed and maintained finance reports resulting in improved financial analysis
- Validating financial details such as Banking, statement of accounts, financial for analysis customer strength of repayment
- Validating the credit scores and highlighting observation against adverse findings through CIBIL and dedupe
- Validating portfolio analysis through PDD tracker.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
Asst. Accountant
ALLEKHA SOFTWARE LIMITED
01.2004 - 01.2006
- Managed day to day entry of debit and credit
- Prepared profit and loss and balance sheet
- Prepared annexure report of all head available in P/L account
- Produced weekly reports of debtors and overview of status resulting in a more efficient debt collection process.
Education
PGDM - Finance
Appex College
Kolkata12.2012
B.COM - Commerce
Chandannagar Govt College
Chandan Nagar06.2004
High School Diploma -
Khalishani College
Chandan Nagar05.2001
Skills
- Lead Activities
- Data Channel Analysis
- Data Analysis and reporting
- Problem solving and conflict resolution
- Coordinate with Cross function
- Analytical Thinking
- Time management
- Team Work
Languages
Hindi
Advanced (C1)
English
Elementary (A2)
Bengali
Upper intermediate (B2)
Additional Information
· Recognized for exceptional performance awarded -2017
· Awarded Best performer of year - 2019
· Awarded Best achievement - 2023
Timeline
Lead Channel Management
Poonawalla fincorp Limited
01.2020 - Current
Quality Assurance Manager Operation
Poonawalla Fincorp Limited (Earlier name as Magma)
02.2010 - 01.2020
Senior Credit Officer
E-nxt Financial Limited
01.2008 - 01.2010
Credit Officer
ICICI BANK (Under Team 4 U)
01.2007 - 01.2008
Asst. Accountant
ALLEKHA SOFTWARE LIMITED
01.2004 - 01.2006
PGDM - Finance
Appex College
B.COM - Commerce
Chandannagar Govt College
High School Diploma -
Khalishani College
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