Chetan Gupta

To succeed in an environment of growth and excellence and earn a job which provides me job satisfaction and self-development and help me achieve personal as well as organizational goals.

• Cluster Credit Manager, AU Small Finance Bank Ltd, Handing Mortgage Business Loan/Housing Loan for AU Small Finance Bank Ltd for Jaipur Cluster. As a Cluster Manager taking care of Jaipur, Tonk and Dausa district. Handling Creditworthiness of the ultimate client as well as checking the Property from Legal and Technical aspect to access the Title of the property. Having a dedicated team of Credit manages/Credit officers with DO's and Field executives in reporting, Handling a Team of 25 Persons. Managing efficiently monthly Disbursement of Rs.35 crores of Mortgage- MSME products. Co-coordinating with other depts. on regular basis (Legal/ Valuation/ Technical/Collection/ Operations)
• Branch Credit Manager, ICICI Bank Ltd, My job was related to analysis of credit request and converts any approval to final disbursement. Monitoring all credit request and decision (Either approved or disapproved) on it after analyzing it. Analyzed loan transactions and identified credit risks in each credit request. Coordinate with central team for regular updation in policy for funding. Ensure to maintained better portfolio and fund as per bank norms. Coordinated with team members to finish work and work effectively as a team. Coordinate with other team and various departments (Business team, Product team, Legal team etc.) Provided good training to subordinates for better performance. Complete RCU activity as well OPS activity (End to end process related to proposal)
• Manager, Mega Medicare Pvt Ltd, Weekly Reporting of the financials (P&L Variance, Balance Sheet Variance, Vendor Ageing, Vendor Break up, Employee Ledger Status, Capital Commitment, Prepaid Expenses etc.) Handling of audit queries of various financial packs Handle all Tax Matter (TDS, Service Tax etc.)
• Article, Ashutosh Agarwal & Co, Audit Planning, which involves understanding the business, Organization of competent resources, work planning and allocation, setting time targets for execution Audit Execution, which entails obtaining assurance on the truthfulness and fairness of financial statements, compliance with various applicable laws, Accounting Principles, Accounting Standards, Audit & Assurance Standards, Analysis of Financial Assertions and Statements. Drafting of audit reports and observation report for discussion with the clients Review of the work done by junior subordinates.

• Leadership qualities
• Deep knowledge of credit and OPS procedures
• Ability to maintain all confidential information
• Skilled to manage staff and administrative functions
• Team Spirit
• Dedicated and willing to learn
• Ability to deliver results in stipulated deadlines

• Working experience with various banking software like Finnone, Finacle, APS, etc.
• Working knowledge of MS-Office and Libra office applications

• Date of Birth: 01/12/84
• Gender: Male
• Marital Status: Married