DHARANIYA S
THANJAVUR
Summary
Seeking a position to utilize my skills and abilities in the housing loan industry that offers professional growth while being resourceful, innovative and flexible.
Accomplished Assistant Manager with in-depth experience consistently rising through ranks. Well-versed in sales, personnel management, accounting and recovery management. Dedicated to complete knowledge of company products and services for optimized customer service.
Overview
11
11
years of professional experience
1
1
Certification
Work History
ASSISTANT MANAGER-CREDIT AND OPERATIONS
REPCO HOME FINANCE LIMITED
07.2021 - Current
- Managing Sales of Home Loan Product.
- Sourcing business through open market through different channels.
- Executing all the Sales planning and overseeing target allocation.
- Responsibilities include the development, preparation and promotion of home loan.
- Develop and maintain strong relationship with the clients for repeat business or referrals.
- Meet clients, verify documents, process file for sanction, co-ordinate for disbursement of loan.
- Aligning with the marketing team on ground lead generation activities for Sales.
- Business development through market intelligence, new channels, AR, builders, marketing activities and events.
- Recovery management.
- MIS management preparing, reviewing and presenting reports periodically.
- Regulatory/audit compliance management.
- Responsible for overall Branch operations and profitability of the branch,
- Handling Branch operations Team, Motivate and work along with branch team to achieve branch set targets
- Building relationship with Customers and follow-up, Increase Interest Collections of the branch and control on NPAs.
- Carry out works pertaining to branch sales operation such as customer service, ensuring branch business development, meeting business target of the branch, marketing, publicity, conduct loan camps and other works.
- Check preliminary due diligence & credit limit of the customers and scrutinize all the documents pertaining to the property (Property Visits, Preparation of CAM sheets)
- Validate the genuineness of the customer by verifying his KYC and other related documents.
- Coordinate with panel valuers / advocates for effective delivery within stipulated turnaround time.
- Handle lending operations of branch, which require speedy processing of loan applications /initial credit appraisal at branch level/follow up of loan approvals with sanctioning authority/ disbursements/ post disbursal monitoring/collection and accounting/accounts management
- To monitor collections and manage effectively the receivables and develop collection strategies to minimize “bad debt” portfolio
ASSISTANT MANAGER-CREDIT
REPCO HOME FINANCE LIMITED
01.2016 - 07.2021
- Assisting customers with their loan application by advising them on the most suitable loan option.
- Determining customers credit eligibility to proceed with the loan.
- Calculating interest rates and setting up repayment plans for the mortgage.
- Interviewing loan applicants to discuss their financial situation and credit worthiness.
- Reduced processing time for loan applications with meticulous attention to detail and proactive problem solving.
- Resolving customer queries and guiding them throughout the application process.
- Prepared file for final clear-to-close by branch management.
- Processed different types of loan applications accurately and successfully for over 11 years.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Enhanced customer satisfaction by providing timely updates and clear communication throughout the loan process.
EXECUTIVE
REPCO HOME FINANCE LIMITED
03.2013 - 12.2015
- Established and implemented departmental policies, goals and objectives.
- Reported issues to higher management with great detail.
- Achieved company growth by implementing strategic marketing plans and business development initiatives.
- Worked effectively in fast-paced environments.
- Applied effective time management techniques to meet tight deadlines.
- Managed time efficiently in order to complete all tasks within deadlines.
- Self-motivated, with a strong sense of personal responsibility.
- Resolved problems, improved operations and provided exceptional service.
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
- Proved successful working within tight deadlines and a fast-paced environment.
- Worked flexible hours across night, weekend, and holiday shifts.
- Improved employee retention rates by fostering a positive work environment and offering professional development opportunities.
Education
10TH -
GIRLS’ CHRISTIAN HIGHER SECONDARY SCHOOL
THANJAVURHSC - COMPUTER BIOLOGY
ST.JOSEPHS’ GIRLS HIGHER SECONDARY SCHOOL
01.2006
B.Sc INFORMATION TECHNOLOGY -
BON SECOURS COLLEGE FOR WOMEN
THANJAVUR01.2008
Skills
- Microsoft windows 98, 2000, XP
- C, C, MS office, VB
- Good communication skill - verbal and written
- Negotiation skill
- Interpersonal skill, leadership qualities and team management
- Multitasking ability
- Planning and organizing skill
- Target orientation
- Professionalism
- Documentation And Reporting
- Customer Relations
- Time Management
- Attention to Detail
Certification
- C
- C++
- NET
- INTERNET LEARNING PROGRAM
Languages
English
Tamil
Contact Address
67/56, OLD MARIYAMAN KOVIL ROAD, THANJAVUR, 613001
Personal Information
- Father's Name: R.SUGUMARAN
- Mother's Name: S.SUSILA
- Date of Birth: 08/30/1991
- Nationality: Indian
Contact Number
8870983572
Hobbies and Interests
- Listening to music
- Reading books
Disclaimer
I do hereby confirm the information provided above is true to the best of my knowledge and belief.
Timeline
ASSISTANT MANAGER-CREDIT AND OPERATIONS
REPCO HOME FINANCE LIMITED
07.2021 - Current
ASSISTANT MANAGER-CREDIT
REPCO HOME FINANCE LIMITED
01.2016 - 07.2021
EXECUTIVE
REPCO HOME FINANCE LIMITED
03.2013 - 12.2015
10TH -
GIRLS’ CHRISTIAN HIGHER SECONDARY SCHOOL
HSC - COMPUTER BIOLOGY
ST.JOSEPHS’ GIRLS HIGHER SECONDARY SCHOOL
B.Sc INFORMATION TECHNOLOGY -
BON SECOURS COLLEGE FOR WOMEN
- C
- C++
- NET
- INTERNET LEARNING PROGRAM
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