Hi, I’m
Harish Pawar
Pune,Maharashtra
Summary
Seeking challenging assignments in an Organization where I can achieve excellence that would help me to Bring best of my performance; further enhance my knowledge & skills.
Overview
5
years of professional experience
3
years of post-secondary education
2
Certifications
3
Languages
Work History
Bajaj Housing Finance LtdSatara, Maharashtra
Deputy Credit Manager
01.2022 - Current
Job overview
- Sanction authority Rs.70 Lakhs)
- Roles and Responsibilities Work Description:
- Appraising and underwriting the HL and Loan applications of salaried profile customers
- Ensuring policy adherence and meeting the Credit TAT
- (Login to Approval)
- Keeping the COPR and Audit Query to Minimal or Zero levels, Provide Feedback to HO Authorities on Credit
- Process / Policies / Local Market on a regular basis
- Implementation of Credit Policy and continuous evaluation to ensure adherence to the Policy
- Data Analysis & Sharing of best practices with team,
- Coordinate with Sales & ensuring mechanism in place for processing of files within desired TAT
- Keeping delinquency under control -Compliance of policy and processes
- Closely watch on key performance numbers on daily basis
- Maintain good portfolio quality & delinquency ratio of branch
- Currently managing south region salaried cases decision
- Headed a team of 4 members, provide training to team, co-ordination with team for early decision and maintaining good TAT.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Referred delinquent accounts to collections department or outside resources.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Compiled data critical to analysis of annual bad debt.
- Developed strategies to expedite payments and customer resolutions.
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Reviewed and analyzed loan procedures.
- Provided resources and expertise for conversion, validation and training required for company-wide software updates.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Optimized credit approval and collection processes, improving operational efficiencies by over Number%.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Used Software and Software to perform credit appraisals, document verification and loan approvals.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Monitored accounts for signs of fraud and non-payment issues.
Suryoday Small Finance Bank Ltd
Designation Credit Analyst (Roll of Credit Manager)
02.2021 - 01.2022
Job overview
- Roles and Responsibilities Work Description:
- Salaried and SENP cases PD and recommendation
- Verification of KYC, income documents, Bank statement,
- RTR, Mortgage Valuations Reports, preparation of minutes of meetings, login and disbursement MIS etc
- Quality Underwriting HL & LAP cases
- Implementation of Credit Policy and continuous evaluation to ensure adherence to the Policy
- Ensuring policy adherence and meeting the Credit TAT
- (Login to Approval),
- Keeping delinquency under control -Compliance of policy and processes
- Monitoring of branch portfolio quality as per Metrics
- Vendor Management & TAT
- High Ticket cases PD with clients
- Handling monthly disbursement dockets, co-ordination with OPS team for Disbursement
- Keeping the Audit Query to Minimal or Zero levels
- Closely watch on key performance numbers on daily basis
- Maintain good portfolio quality & delinquency ratio of branch.
- Acted as a team leader in group projects, delegating tasks and providing feedback.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Cultivated interpersonal skills by building positive relationships with others.
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
- Passionate about learning and committed to continual improvement.
- Developed and maintained courteous and effective working relationships.
- Learned and adapted quickly to new technology and software applications.
- Demonstrated leadership skills in managing projects from concept to completion.
- Demonstrated a high level of initiative and creativity while tackling difficult tasks.
- Managed time efficiently in order to complete all tasks within deadlines.
- Proven ability to develop and implement creative solutions to complex problems.
- Developed strong communication and organizational skills through working on group projects.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Gained strong leadership skills by managing projects from start to finish.
- Organized and detail-oriented with a strong work ethic.
- Self-motivated, with a strong sense of personal responsibility.
- Proved successful working within tight deadlines and a fast-paced environment.
- Paid attention to detail while completing assignments.
- Identified issues, analyzed information and provided solutions to problems.
- Worked well in a team setting, providing support and guidance.
Fullerton India Credit Company Ltd
Credit Process Associate
07.2012 - 06.2019
Job overview
- ( on payroll of Caliber services, Checking log in loan files as per FICCL log in checklist
- Analyze all required document for the same such as KYC
- Financial, property papers , Bank Statement, RTR (Repayment track Record) & preparation of CAM (Credit
- Appraisal Memo) etc
- Analyze the files as per policy guidelines which
- Applied for LAP/Property Loan
- Calculates the Eligibility of the cases of salaried,
- SENP, SEP etc
- Interpretation of credit bureau report
- (CIBIL)
- Commercial CIBIL etc
- Assessing income analysis of bank statement, checking Inward returns, high value credits, loan credits etc
- Analysis of financial, profit & loss a/c,Balance sheet etc, for making financial ratios
- Uploading financial & PD report in Finnone and
- Complete underwriting process
- Handling legal and technical vendors, initiate L & T, maintaining TAT for L & T reports etc
- Analyzing the valuation report
- Analyzing the legal report
- Collect all internal reports for Disbursement- for e.g
- L & T, Cersai, CPV, FCU reports etc
- Handling Scan based Disbursement process with
- Complete set of loan documents as per disbursement
- Checklist
- Checking LAP loan dockets, Loan agreements,
- DRF, ASL, NACH, SPDCS, LTV
- Preparation of SKR (Safe keeping records)
- Data entry in Finnone for
- Docket booking and disbursement
- Updating of
- Collateral data entry in CMS (Finnone)
- Resolving Dockets exception/queries etc
- ( scan based booking )
- Vendor Management of CPV, FCU, Legal & Technical etc
- Preparation of log in MIS, Daily verification MIS ( IMD, FCU, CPV, L & T , Gunthewari verification etc),
- OTC and PDD resolution
- Co- ordination with internal and external audit.
- Proven ability to develop and implement creative solutions to complex problems.
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Learned and adapted quickly to new technology and software applications.
- Excellent communication skills, both verbal and written.
- Gained strong leadership skills by managing projects from start to finish.
- Participated in team projects, demonstrating an ability to work collaboratively and effectively.
- Passionate about learning and committed to continual improvement.
- Managed time efficiently in order to complete all tasks within deadlines.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Identified issues, analyzed information and provided solutions to problems.
- Strengthened communication skills through regular interactions with others.
- Exercised leadership capabilities by successfully motivating and inspiring others.
- Applied effective time management techniques to meet tight deadlines.
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
- Paid attention to detail while completing assignments.
- Delivered services to customer locations within specific timeframes.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Demonstrated leadership skills in managing projects from concept to completion.
- Developed strong communication and organizational skills through working on group projects.
- Worked flexible hours across night, weekend and holiday shifts.
Cholamandalam Investment & Finance Co. Ltd, Chola Business Services LtdPune
Sr. Process In Charge Credit –Operations
04.2018 - 05.2019
Job overview
- Process In charge Credit –Operations
- Work Description:
- Sanction Desk login file docs checking & verify as per policy, preparation of CAM(Credit Appraisal Memo)
- Analyze all required document for the same such as KYC
- Financial, property papers , Bank Statement,
- RTR(Repayment track Record)
- Analyze the files as per policy guidelines which applied for
- Home Loan
- Calculates the Eligibility of the cases of salaried, SENP, SEP etc
- Credit Appraisal of all the files which come from sales for loan and making Credit Appraisal Memo
- Interpretation of credit bureau report
- Prepare credit notes of cases and sanction condition also prepare deviation (non-financial authorization)
- Assessing income analysis of bank statement
- Assessing eligibility customer interaction to understand needs, find solution within the product range available
- Analyzing the valuation report
- Analyzing the legal report
- Analyze financial & ratio, appraise proposal to higher authority with merits demerits & risk involved after personal discussion
- Handling Scan based Disbursement process with complete set of loan documents as per disbursement
- Checklist
- Checking HL loan dockets, Loan agreements, DRF, ASL,
- NACH, SPDCS, LTV
- Handling Part Disbursement/tranche cases also (releasing payment mail as per completion of property)
- Resolving Dockets exception/queries etc
- ( scan based booking )
- Vendor Management of CPV, FCU, Legal & Technical etc
- Few PD done with BCM.
- Proven ability to develop and implement creative solutions to complex problems.
- Paid attention to detail while completing assignments.
- Applied effective time management techniques to meet tight deadlines.
- Passionate about learning and committed to continual improvement.
- Proved successful working within tight deadlines and a fast-paced environment.
- Adaptable and proficient in learning new concepts quickly and efficiently.
- Exercised leadership capabilities by successfully motivating and inspiring others.
- Demonstrated leadership skills in managing projects from concept to completion.
- Excellent communication skills, both verbal and written.
- Resolved problems, improved operations and provided exceptional service.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Delivered services to customer locations within specific timeframes.
- Gained extensive knowledge in data entry, analysis and reporting.
- Developed strong organizational and communication skills through coursework and volunteer activities.
- Self-motivated, with a strong sense of personal responsibility.
- Participated in team projects, demonstrating an ability to work collaboratively and effectively.
- Strengthened communication skills through regular interactions with others.
- Worked flexible hours across night, weekend and holiday shifts.
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Demonstrated creativity and resourcefulness through the development of innovative solutions.
Bajaj Finance Ltd
Sales Executive
08.2017 - 03.2018
Job overview
- Checking PSBL log in files & logged in systems
- Checking file as per KYC Norms and PSBL grid line, income documents
- Checking all Disbursement docker & fill up Loan agreements
- Seek ROI approval from ZSM
- Complete the all disbursal process
- Resolve the operation audit query
- Maintain Disbursement MIS
- Coordinating with credit team & OPS team for disbursement
- KEY RESPONSIBILITY AREAS:
- Handling Home Loan Credit & Operation very effectively for Pune region
- Co-ordination between credit & sale team
- Handling customer escalation
- STRENGTH
- Positive Attitude
- Hard work
- Ability to understand fastly
- Dedication toward work.
- Analyzed past sales data and team performance to develop realistic sales goals.
- Researched sales opportunities and possible leads to exceed sales goals and increase profits.
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
- Increased revenue by implementing effective sales strategies in sales cycle process from prospecting leads through close.
- Negotiated and closed profitable sales contracts with new and existing customers to increase loyalty and retention.
- Directed sales support staff in administrative tasks to help sales reps close deals.
- Created and implemented successful sales campaigns to drive leads and increase sales.
- Developed and implemented account management plans to establish customer satisfaction.
- Exceeded sales goals by implementing aggressive sales programs, overhauling processes and facilitating market development.
- Evaluated costs against expected market price points and set structures to achieve profit targets.
- Established and maintained positive relationships with vendors to determine product availability and quality.
- Utilized internal lead referral tools to solicit new business opportunities and contacts.
- Monitored and adjusted pricing based on market trends and customer feedback to meet expectations and increase sales.
- Developed and presented valuable sales presentations to potential customers to highlight features and benefits of products.
- Developed sales strategy based on research of consumer buying trends and market conditions.
- Developed, maintained and utilized diverse client base.
- Built diverse and consistent sales portfolio.
- Fielded customer complaints and facilitated negotiations, resolving issues and reaching mutual conclusions.
- Monitored service after sale and implemented quick and effective problem resolutions.
- Presented professional image consistent with company's brand values.
- Set and achieved company defined sales goals.
- Negotiated prices, terms of sales and service agreements.
- Quoted prices, credit terms and other bid specifications.
- Served customers with knowledgeable, friendly support at every stage of shopping and purchasing.
- Trained new employees on customer service, money handling and organizing strategies.
- Informed customers of promotions to increase sales productivity and volume.
- Performed effectively in self-directed work environment, managing day-to-day operations and decisions.
- Stayed current on company offerings and industry trends.
- Increased sales with execution of full sales cycle processing from initial lead processing through conversion and closing.
- Drove store revenue by offering customers accessories and related purchases to complete selections.
- Met existing customers to review current services and expand sales opportunities.
- Achieved or exceeded company-defined sales quotas.
- Fostered lasting relationships with customers through effective communication and quick response, resulting in long-term loyalty and expanded client base.
- Identified new business opportunities through cold calling, networking, marketing and prospective database leads.
- Maintained current knowledge of evolving changes in marketplace.
- Developed and maintained strong working relationships with professionals within assigned territory.
- Met with customers to discuss and ascertain needs, tailor solutions and close deals.
- Contributed to event marketing, sales and brand promotion.
- Generated advertising brochure for vendor use.
- Consulted with businesses to supply accurate product and service information.
- Built relationships with customers and community to promote long term business growth.
- Contributed to team objectives in fast-paced environment.
- Gained customer trust and confidence by demonstrating compelling, persuasive and composed professional demeanor.
- Greeted customers and offered assistance with selecting merchandise, finding accessories and completing purchases.
- Promoted conversion of casual shoppers into customers through product knowledge and product solutions to meet customer needs.
- Collaborated with managers to provide customer feedback and recommend operational changes to meet emerging trends.
- Attended monthly sales meetings and quarterly sales trainings.
- Kept detailed records of daily activities through online customer database.
- Selected correct products based on customer needs, product specifications and applicable regulations.
- Recorded accurate and efficient records in customer database.
- Worked with sales team to collaboratively reach targets, consistently meeting or exceeding personal quotas.
Education
Pune UniversitySatara
BCA [Bachelor of Computer Application
04.2008 - 04.2011
Shivaji UniversitySatara
HSC (Higher Secondary Certification12th)
04.2007 - 04.2008
SSC
Shivaji UniversitySatara
10th
04.2005 - 04.2006
Skills
MS-word, MS-Excel, Power Point, I have knowledge of all these Application software’sundefined
Additional Information
- Present Address: Permanent Address: , Flat No-B-503 , Dreams Wisteria , Sr No - 03 Behind Dharmavat Petrol Pump ,Pisoli , Pune- 411060 Plot No 27 , Jayashri Hosing Society Behind Karmaveer Nagar Bus Stop Karamveer Nagar Kodoli Satara - 415004
Certification
Appreciation Certificates
Timeline
Champion Award
11-2022
Appreciation Certificates
05-2022
Deputy Credit Manager
Bajaj Housing Finance Ltd
01.2022 - Current
Designation Credit Analyst (Roll of Credit Manager)
Suryoday Small Finance Bank Ltd
02.2021 - 01.2022
Sr. Process In Charge Credit –Operations
Cholamandalam Investment & Finance Co. Ltd, Chola Business Services Ltd
04.2018 - 05.2019
Sales Executive
Bajaj Finance Ltd
08.2017 - 03.2018
Credit Process Associate
Fullerton India Credit Company Ltd
07.2012 - 06.2019
Pune University
BCA [Bachelor of Computer Application
04.2008 - 04.2011
Shivaji University
HSC (Higher Secondary Certification12th)
04.2007 - 04.2008
Shivaji University
10th
04.2005 - 04.2006
SSC
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