HARSH DHANDHAWAT
Jaipur
Summary
Seasoned Risk and Credit Management professional with a proven track record at Laxmi India Pvt Ltd, adept in fraud prevention and creditworthiness assessment. Skilled in analytical thinking and problem-solving, demonstrating a commitment to excellence and a capacity for team contribution. Expert in leveraging basic computer knowledge and a positive approach to drive organizational success.
Overview
2
2
years of professional experience
Work History
Assistant Risk Manager
Svatantra micro housing finance
09.2024 - Current
- Control application Frauds by ensuring sampling efficiency at defined sampling percentages
- Ensure optimum fraud hit rates with a sharp focus on document and profile related frauds
- Frauds prevented by sampling/screening process
- Recovery cross checks and agency controls
- Quality of investigation and root cause analysis
- Maintenance of TAT
- Any other activity assigned pertaining to RCU of Consumer Bank - Assets
- MIS preparation and coordination with Head Office
Risk Manager
Laxmi India Pvt Ltd
07.2023 - 09.2024
- Control application Frauds by ensuring sampling efficiency at defined sampling percentages
- Ensure optimum fraud hit rates with a sharp focus on document and profile related frauds
- Frauds prevented by sampling/screening process
- Recovery cross checks and agency controls
- Quality of investigation and root cause analysis
- Maintenance of TAT
- Any other activity assigned pertaining to RCU of Consumer Bank - Assets
- MIS preparation and coordination with Head Office
Credit Manager
Laxmi India Pvt Ltd
01.2023 - 07.2023
- Research and evaluate clients' creditworthiness
- Create credit scoring models to predict risks
- Approve or reject loan requests, based on credibility and potential revenues and losses
- Calculate and set interest rates
- Negotiate loan terms with clients
- Monitor payments
- Maintain records of loan applications
- Follow up with clients to manage debt settlements and loan renewals
- Ensure all lending procedures comply with regulations
- Develop, review and update our company's credit policies
Assistant Manager
Kotak Securities
- Control application Frauds by ensuring sampling efficiency at defined sampling percentages
- Ensure optimum fraud hit rates with a sharp focus on document and profile related frauds
- Frauds prevented by sampling/screening process
- Recovery cross checks and agency controls
- Quality of investigation and root cause analysis
- Maintenance of TAT
- Any other activity assigned pertaining to RCU of Consumer Bank - Assets
- MIS preparation and coordination with Head Office
Intern
Great Learning
Intern
Tata Consultancy Services
Education
MBA - Finance And Marketing
Chhatrapati Shivaji Maharaj University
01-2021
Bachelor degree -
RU RAJASTHAN
Raj.01-2018
Senior secondary -
CBSE
DELHI01-2014
Secondary -
CBSE
DELHI01-2012
Skills
- Basic Computer knowledge
- Operating System- Windows
- Ms-Office
- Internet
- Good logical & analytical skill
- Aptitude to work with numbers
- Proactive
- Positive approach
- Flexibility
- Commitment to change
- Learning
- Team contribution
- Stress management
- Communication
- Scientific approach
- Lyrical
- Passionate
- Optimistic
- Analytical
- Good learner
- Patience
- Self-control
Languages
- Hindi
- English
- Rajasthani
Extracurricular Activities
Gain the knowledge of financial planning and analysis Participate in debate competition Participate in drama & award Organize the event show
Hobbies and Interests
- Play Tennis
- Painting
- Sketching
- Gardening
- Listening to Music
- Reading books
- Novels
- Newspapers
Disclaimer
I hereby declare that all the above mentioned information is true to the best of my knowledge. There was a gap from July 2014 to July 2015 and June 2018 to June 2019 as I was preparing for govt. exam.
Knowledgeandskills
- Good logical & analytical skill and aptitude to work with numbers.
- Proactive, Positive approach, able to grasp concepts and procedures quickly.
- Demonstrate flexibility and commitment to change and learning.
- Contribute the best for achieving team and organization goals.
- Devise means of dealing with extra stress.
- Like to communicate, scientific approach, lyrical.
- Passionate, Optimistic, Analytical.
- Good learner, Patience, Self-control.
Personal Information
- Father's Name: Mr. Durgesh Dhandhawat
- Mother's Name: Mrs. Prabha Dhandhawat
- Date of Birth: 08/29/96
- Marital Status: Single
Timeline
Assistant Risk Manager
Svatantra micro housing finance
09.2024 - Current
Risk Manager
Laxmi India Pvt Ltd
07.2023 - 09.2024
Credit Manager
Laxmi India Pvt Ltd
01.2023 - 07.2023
Assistant Manager
Kotak Securities
Intern
Great Learning
Intern
Tata Consultancy Services
MBA - Finance And Marketing
Chhatrapati Shivaji Maharaj University
Bachelor degree -
RU RAJASTHAN
Senior secondary -
CBSE
Secondary -
CBSE
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