DHEERAJKUMAR SALUNKHE
Phaltan
Summary
An organized and motivated individual, eager to utilize time management and organizational skills across diverse settings. Seeking entry-level opportunities to enhance abilities while contributing to company growth.
Overview
7
7
years of professional experience
Work History
Branch Credit Officer
SARVAGRAM FINCARE PVT LTD
PHALTAN
04.2024 - Current
- This organization provides a household finance company that focuses on providing suitable credit products to households with multiple sources of income in rural and semi-urban India. The core capability of the organization is to be able to select these households and analyze their various income flows, each with their own frequency, volume, and variability, resulting in the best possible estimate of their borrowing requirements and repayment capacity.
- Conducted detailed investigations into customer background, assets, liabilities, and other related matters.
- Collaborated closely with other departments such as legal, accounting, operations.
- Monitored portfolio performance by analyzing delinquency trends, loss severity levels.
- Participated in training sessions designed to enhance knowledge base around underwriting practices.
- Adherence of companies to all credit policy frameworks and products of LAP, HL, FARM LOANS, PERSONAL LOANS, SECURED, and UNSECURED.
- Analysis of Segment MSE, SALARIED AND FARM.
- Study of past credit history through repayment and analysis of risk with the help of a credit bureau.
- For sanctioning the case, take advice from the legal report with the help of a legal adviser, and fulfill the necessary conditions in sanctioning.
- Verified current and historical residences, property ownership and various types of debt by accessing public records and directories.
- Verified applicants' references pertaining to employment, health history and social behavior.
- Collected and checked borrower income, credit history and employment information.
- Analyzed and prepared existing borrower reports and reviews to track repayments and compliance with loan agreements.
- With the help of all property documents, get the valuation technical report from the vendor, and finalize the loan amount.
- Ensured compliance with national credit regulations and laws.
- Used hedging to mitigate financial risks related to interest rates on company's borrowings.
Branch Operations Manager
IDFC FIRST BHARAT LTD
PHALTAN
09.2019 - 04.2024
- As a Branch Operations Manager (DVU and CMS), I am responsible for the entire operation of a branch, from ensuring the attainment of sales goals to overseeing that everyone provides excellent customer service. I also ensure that the branch office has all the tools and infrastructure needed to keep it in working order.
- As day work, there is a need to look out for the complete login and disbursement process of micro business loans (secure and unsecured), login, QDE, detailed data entry of home loans, loans against property, such as checking loan disbursement files, awareness about loading loans, awareness of franking/stamping loan agreements, and handling with DST, BSM, BCM, and BM.
- As management of the operations related to staff and customers, it also takes charge of branch account transactions as cash management, and it is responsible for the verification of loan processing documents.
- In the daily work, all approvals for cash-related transactions and operational activities are the responsibility of the vault key operations, ensuring the branch is opened and closed according to policy time.
- DVU, as a department of the organization, needs to maintain the quality of all documents related to the whole branch's products as per policies and current circulars.
- Documentation awareness for business loans (secure and unsecured), awareness of foreclosure of loans, and NOC awareness of account reconciliations
Assistant Branch Manager
BAJAJ FINSERV LTD
Baramati
01.2018 - 08.2019
- From Jan 2019 to Aug 2019 working as an Assistant Branch Manager Rural Liabilities product fixed deposit IFA and Retail at BARANMATI HUB location and drive business from seven spoke locations
- In that business the engaging the IFA and ASSC and educate, motivating, support them for business penetration
- From Jan 2018 to Jan 2019 work as an Assistant Branch Manager B2B for Rural Digital Product Finance
- As the Working as a Asst Branch Manager looking after all sales for authorized dealers of Digital products, Lifestyle Products and Life Care products in HUB and spoke location and related queries with multiple departments of organization & give satisfying results
- Achieving & exceeding Business goals and targets
- Multi Branch Management with Branch Sales responsibility Selection of Dealer, Broker & Franchisee
- Drive sales channel from sale executive is the responsibility and monitor the performance
- Identification of good areas to operate and customer profiles
- Effectively engage Operations & Risk teams to understand and contribute to overall processes & profitability across locations
- Team management & Grooming of the team to achieve their respective targets Managing the Delinquency of the business sourced to ensure health of portfolio
- Manage the Distribution through Dealer & Franchisee and servicing them, and their concerns in an appropriate manner
Financial Services Consultant
ICICI PRUDENTIAL LIFE INSURANCE LTD
08.2017 - 01.2018
- Works at ICICI PRUDENTIAL LIFE INSURANCE LTD as Financial services consultant in Bancassurance channel at bank branches
Education
Master Of Business Administration - Marketing
Savitribai Phule, Pune University
01.2017
Bachelor in Technology - Agril.Engg
Dr.B.S.K.K.V, Dapoli University
01.2015
H.S.C - Science
Maharashtra State Board
01.2010
S.S.C - Science
Maharashtra State Board
01.2008
Skills
- CREDIT UNDERWRITING
- TEAM MANAGEMENT
- CASH FLOW ANALYSIS
- CREDIT RISK ANALYSIS
- BANKING OPERATIONS
- MS OFFICE
- Expertise in FINONE, BRNET, COS, and SALESFORCE
- Proficient in Marathi, English, Hindi
Personal Information
Date of Birth: 06/18/93
Extracurricular Activities
Certificate in NSS (National Social Service) Attending Blood Donation Camp in B K L Walawakar Hospital Chiplun.
Hobbies and Interests
- Surfing Internet
- Reading
- Travelling
- Listening to music
Achievementsandawards
- Runner up in University Badminton games 2011.
- Second prize in Tug of War in K.K.V Mandki-Palvan 2013.
- April 2018 Sprinter Award in Bajaj Finance.
- March 2019 winner of Summerfest to Singapore.
- May 2019 Kuddos Award in Bajaj Finance.
- July 2019 winner of octofest to Dubai-Abudhabi.
Trainingsandinternships
- SCHREIBER DYNAMIX DAIRIES LTD, 50 days training in Logistics Management.
- Escorts Tractors Ltd, Four month Implant training in Tractor Sales and Marketing., 01/2015 to 04/2015
- NEW HOLLAND TRACTORS, One month training in Tractor Maintenance and Sales & Marketing., 06/2013
- CENTRAL SOIL AND WATER CONSERVATION RESEARCH & TRAINING INSTITUTE, One month training in Soil and Water Conservation., 06/2012
Timeline
Branch Credit Officer
SARVAGRAM FINCARE PVT LTD
04.2024 - Current
Branch Operations Manager
IDFC FIRST BHARAT LTD
09.2019 - 04.2024
Assistant Branch Manager
BAJAJ FINSERV LTD
01.2018 - 08.2019
Financial Services Consultant
ICICI PRUDENTIAL LIFE INSURANCE LTD
08.2017 - 01.2018
Master Of Business Administration - Marketing
Savitribai Phule, Pune University
Bachelor in Technology - Agril.Engg
Dr.B.S.K.K.V, Dapoli University
H.S.C - Science
Maharashtra State Board
S.S.C - Science
Maharashtra State Board
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