Trekking
Devendra Rawool
Credit Appraisal Manager
Mumbai Suburban,Maharashtra
Summary
Financial professional who is a self-starter and capable of effectively functioning with minimum supervision. Proactive in taking initiatives and skilled at meeting challenges and deadlines. A team player who is attentive to detail and produces quality results and who likes working in challenging environment leading to professional maturity and to be an asset for the company.
Overview
20
20
years of professional experience
3
3
Languages
Work History
Credit Appraisal Manager
Entitled Solutions Pvt Ltd
02.2022 - Current
- Receiving and scrutinizing of applications for Education Loans
- Verify borrowers' track record & ascertaining their credit worthiness
- Decision on loan applications as per credit approval matrix
- Ensure adherence to all regulatory norms with respect to KYC, Documentation, etc
- Underwriting the proposals for Short Term Personal Loan
- Handling the Personal loan credit underwriting for entire INDIA
- Handling the team of Underwriters
- Monitor and maintain the required approval rate and TAT
- Finalize review of CAM
- Prepared by underwriters and approval/decline sing-offs on every case after verification of documents and other mandatory checks.
Credit Manager (Loan Underwriting)
Finkurve Financial Services Ltd (Arvog)
06.2021 - 02.2022
- Receiving and scrutinizing of applications for Education Loans
- Verify borrowers' track record & ascertaining their credit worthiness
- Decision on loan applications as per credit approval matrix
- Ensure adherence to all regulatory norms with respect to KYC, Documentation, etc
- Underwriting the proposals for Short Term Personal Loan
- Handling the Personal loan credit underwriting for entire INDIA
- Handling the team of Underwriters
- Monitor and maintain the required approval rate and TAT
- Finalize review of CAM
- Prepared by underwriters and approval/decline sing-offs on every case after verification of documents and other mandatory checks
- Making and updating credit policy.
Credit Operations Manager (Ops. and Administration)
My Salary Dost Fintech Pvt. Ltd. (Start-Up)
11.2019 - 06.2021
- Receiving and scrutinizing of applications for personal loans
- Verify borrowers' track record & ascertaining their credit worthiness
- Decision on loan applications as per credit approval matrix
- Ensure adherence to all regulatory norms with respect to KYC, Documentation, etc
- Underwriting the proposals for Short Term Personal Loan
- Handling the Personal loan credit underwriting for entire INDIA
- Handling the team of 15 Underwriters and tele callers
- Monitor and maintain the required approval rate and TAT
- Finalize review of CAM
- Prepared by underwriters and approval/decline sing-offs on every case after verification of documents and other mandatory checks
- Making and updating credit policy
- Office Administration: Taking care of daily administration duties in office
- Managing Housekeeping and Security Staff
- Timely payments of Various Utility Bills and Vendor Payments
- Renewal of AMC
- Cost Management through effective use of ACs, Electricity and keeping control on all types of expenses, without sacrificing the quality
- Purchase of required stationery and other cleaning material required in the office.
Deputy Manager - Administration
ITM Group of Institutions
08.2018 - 10.2019
- Ensuring smooth operations at all the times and maintaining proper decorum & discipline by implementing & modifying the policies and procedures
- Overall supervision of Academic Buildings, Gardens & Grounds and offices
- Assist in daily administration activities of the institute
- Maintain calendar to coordinate daily classes schedulesmoothly
- Creating/modifying reports, invoices, letters as per requirement
- Handling Housekeeping and Security Staff Campus and Hostel
- Ensure accurate and timely payments for all Utility Bills, vendor Bills, etc
- Periodic review and feedback to vendor
- Managing the admin requirements of the institute like maintenance, vendor management, stock keeping of equipment & Supplies etc
- Cafeteria Maintenance and Hygiene - Campus and Hostel
- Assist in managing the special events organized in the institute - Event Management - Internal & External
- Vehicle Fleet Maintenance
- Managing Bus Service according to Lecture Schedule
- Management and Maintenance of Auditorium with capacity of 200+ people
- MIS, and Monthly reports
- Maintenance of fixed assets register, store stock register
- Should be a bridge between HO and Campus
- Maintaining Admin records like Rents, Taxes & Contracts
- Visiting all city offices & campuses and reporting to head office about any loops
- MIS generation, Back office operations
- Maintain close liaison with local authorities useful to the schools smooth functioning
- Assist in preparation of Budget.
Deputy Branch Manager
ICICI BANK LIMITED
02.2017 - 05.2017
- Maintain overall branch operations in order to provide a superior customer service experience and ensure adherence to guidelines for banking operations
- Ensure timely redresses of the grievances of customers as per grievance redresses guidelines at Branch and inform the Branch Manager of instances requiring his/her personal attention
- Monitor branch footfalls and ensure daily alignment of branch operations as per footfall trends
- Responsible for all Banking operations including coordination with central processing hubs
- Ensure maintenance of adequate stock of security items, passbooks and various forms required for deposits & advances and other transactions
- Responsible for internal control and reporting of results of the branch
- Responsible for cash transactions in the Branch including cash management, tallying of cash with reports in system, maintenance of registers for cash transactions etc
- Branch Administration: Manage costs through control on all types of expenses in the Branch such as telephone, consumption of stationery, computer consumables, electricity and other overheads without sacrificing quality
- Ensure prompt payment of electricity, telephone bills, taxes without penalty and by due dates, ensuring recovery of the amount incurred for personal of telephone etc
- Ensure proper maintenance of office premises and making available basic amenities to customers in consultation with the Branch Manager, wherever required
- Ensure display on notice boards of all mandatory matters as per the guidelines with due updating of the interest rates etc
- Ensure that the Bank's policies, guidelines as well as systems & procedures are followed
- Assist the Branch Manager in finalizing the performance budget, capital expenditure budget, strategies to achieve the business targets and increasing the income
- Assist the Branch Manager in holding staff meetings, convening the customer service meetings, customer meets and other developmental activities
- Ensure compliance with Know Your Customer (KYC), Anti- Money Laundering (AML), audit and other regulations in the branch
- Business Development: New Business Development and Revenue generation through new account development and existing account managements.
Junior Officer
THE SARASWAT CO OP BANK LTD
08.2009 - 02.2017
- Handling HNI & Priority Customer queries of the branch and resolving them to utmost satisfaction of customers
- Handling various queries like opening of accounts, remittance, Fixed Deposit, TDS, investment advisory, Demat & RTGS
- Issuance of cheque books, stop payment converting minor account into major account, crediting salaries
- Issuance of account statement, fund transfers, internet banking operations
- Look closely into administrative issues, pertaining to maintenance and upkeep of the branch
- Responsible to follow all process, policies as per guidelines & audit rating of the branch
- Checking/preparation of salary and Leave Record
- To work as Cashier and ATM maintenance
- Handling Gold Loan and Loan against other tangible securities
- Look closely into administrative issues, pertaining to maintenance and upkeep of the branch
- Renewal of AMC contracts and stationery management of the branch
- Handle customer enquiries and instructions, whilst ensuring that the Bank's delivery standards are met in achieving total customer satisfaction
- New Business Development and Revenue generation through new account development and existing account managements
- Cross Selling of Third Party Products like Insurance, Mutual Funds and Credit Cards
- Cross sell bank products to existing branch customers and also informing customers of new products to further expand the banking relationship.
Sr. Credit Officer
FUTURE MONEY - FUTURE CAPITAL HOLDINGS LIMITED
10.2007 - 02.2009
- Review, process, close and administer consumer and personal loan proposals
- Handling the consumer loan credit underwriting for entire Maharashtra region
- Handling the team of more than fifteen employees
- Interview applicants and request specified information for the loan
- To check and scrutinized CPV, FCU and CIBIL reports
- Approve loan within specified limits or refer loan to the higher authority, CAM preparation
- Ensure loan agreements are complete and accurate according to the policy
- Ensure timely escalation of issues that is impacting business and possible solutions to address the concerns
- Maintain database and monitor performance of loan
- Follow up and generating PTP for nonstarter cases
- (Collections) Handling the total branch administration work, preparing & clearing vendor bills.
Credit Officer
BAJAJ AUTO FINANCE LIMITED
10.2005 - 09.2007
- Underwriting the proposals for Personal Loan (STPL) Consumer Durable, Two Wheelers and Personal Computers
- To check and scrutinized verification report and accepting and rejecting the cases within approval limits or recommending it to the higher authority
- Assigning the cases to the verification agency
- To ensure proper and effective verification by the agencies
- To maintain the stock of stationery and send requisition for the same to HO
- To solve the queries raised by HO and comply with requirements given by.
Back Office Executive
CITI FINANCIAL INDIA LIMITED
09.2004 - 10.2005
- Receiving and scrutinizing of applications for loan against property and personal loans
- Regularly coordinating with various verifications agencies for market valuations of property, financial investigations for customers, contact point verifications and legal verifications
- To attend the telephonic quarries from customers
- Coordinating with team members for setting down best practices
- Maintain tracking and updating MIS reports.
Education
School Secondary Certificate (SSC) -
IES Raja Shivaji Vidyalaya
Mumbai, MaharashtraHigher Secondary Certificate (HSC) - undefined
Siddharth College of Arts Science and Commerce, Mumbai University
Mumbai, MaharashtraBachelor of Commerce (B. Com) - undefined
M L Dahanukar College of Commerce, Mumbai University
Mumbai, MaharashtraSkills
Communication
undefinedWebsites
Professional Highlights
- Part of branch Set up team for New Bank branch for Saraswat Bank at Dahisar West and taking branch from Zero to three hundred Crores in three years, with challenges like De monetization where I have handled cash counter with more than one crore cash deposits per day.
- Set of new institute for ITM's Institute for Design and Media, Handled all the administrative duties and opening function and making all three floors ready with classrooms and other facilities.
Personal Information
- Date of Birth: 04/03/81
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Disclaimer
I, Devendra Rawool, hereby declare that the information contained herein is true and correct to the best of my knowledge and belief.
Accomplishments
1. Part of branch Set up team for New Bank branch for Saraswat Bank at Dahisar West and taking branch from Zero to three hundred Crores in three years, with challenges like De monetization where I have handled cash counter with more than one crore cash deposits per day.
2. Set up of new institute for ITM's Institute for Design and Media, Handled all the administrative duties and opening function and making all three floors ready with classrooms and other facilities.
Interests
Photography
Gardening
Singing
Timeline
Credit Appraisal Manager
Entitled Solutions Pvt Ltd
02.2022 - Current
Credit Manager (Loan Underwriting)
Finkurve Financial Services Ltd (Arvog)
06.2021 - 02.2022
Credit Operations Manager (Ops. and Administration)
My Salary Dost Fintech Pvt. Ltd. (Start-Up)
11.2019 - 06.2021
Deputy Manager - Administration
ITM Group of Institutions
08.2018 - 10.2019
Deputy Branch Manager
ICICI BANK LIMITED
02.2017 - 05.2017
Junior Officer
THE SARASWAT CO OP BANK LTD
08.2009 - 02.2017
Sr. Credit Officer
FUTURE MONEY - FUTURE CAPITAL HOLDINGS LIMITED
10.2007 - 02.2009
Credit Officer
BAJAJ AUTO FINANCE LIMITED
10.2005 - 09.2007
Back Office Executive
CITI FINANCIAL INDIA LIMITED
09.2004 - 10.2005
School Secondary Certificate (SSC) -
IES Raja Shivaji Vidyalaya
Higher Secondary Certificate (HSC) - undefined
Siddharth College of Arts Science and Commerce, Mumbai University
Bachelor of Commerce (B. Com) - undefined
M L Dahanukar College of Commerce, Mumbai University
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