Jugnu Jaiswar
Laxmi Chawl, Kadam Wadi, Hanuman Nagar, Akurli Road, Kandivali (E), Mumbai
Summary
Accomplished Senior Credit Executive with a proven track record at Capital India Finance Limited, adept in credit underwriting and client interaction. Leveraged advanced Excel skills and problem-solving abilities to enhance portfolio quality and streamline loan approval processes. Demonstrated adaptability and a quick learning capacity, achieving significant improvements in operational efficiency.
Overview
8
8
years of professional experience
Work History
Senior Credit Executive
Capital India Finance Limited
Mumbai
09.2021 - Current
- To undertake due diligence of received co-lending LAP and Home loan proposals by screening complete & correct documentation process from all aspects (KYC, technical, legal, RCU and banking)
- To prepare, evaluate LAP lending proposals as well as Home loan lending facilities in keeping with the laid down policy guidelines
- To recommend and sanction approval for proposals as per the product/ policy and as per delegated powers
- Sanctions authority up to 15 lacs
- Post approval, Review of disbursement checklist followed with preparing disbursement documents for business partners in order to get signing of agreements for fast disbursement process
- Coordinate with cross functional team for ensuing closure of the approved proposal
- To ensure portfolio quality for the Product in the location, while maintaining the service levels to the customer (Internal and External)
- Providing guidance to junior staff in the department on best practices for underwriting loans or other financial products
- Training CPA's and new joiner's for creating value to team and growth of organization
Credit Operations Team
Paysense Services India Pvt Ltd
Mumbai
11.2019 - 06.2020
- Company Overview: Personal loans are easily available online, making it all the more convenient and easy
- However, Paysense is a step ahead as it is a first of its kind mobile application by Paysense that lets you enjoy the benefits of personal loans instantly, anywhere and anytime
- You don't need to visit a branch or call anyone
- With this application, you can enjoy instant disbursal at your fingertips
- It has a quick, hassle-free process giving the customer utmost convenience at every step
- Reviewing loan requests
- Assessing customers' financial status
- Evaluating creditworthiness and risks
- Analysing and approve/reject loan requests
- Maintaining TAT for processing cases
- Checking KYC documents and ensuring compliance
- Handling Customers on Call regarding Discussions on Loans, EMI
- Known to handle KYC document of Customers
- Review financial position & all other documents attached which includes Salary slip, Bank Statement
- Personal loans are easily available online, making it all the more convenient and easy
- However, Paysense is a step ahead as it is a first of its kind mobile application by Paysense that lets you enjoy the benefits of personal loans instantly, anywhere and anytime
- You don't need to visit a branch or call anyone
- With this application, you can enjoy instant disbursal at your fingertips
- It has a quick, hassle-free process giving the customer utmost convenience at every step
Credit Executive
Team lease (Working for Indiabulls Venture Ltd)
Mumbai
12.2017 - 10.2019
- Company Overview: Personal loans are easily available online, making it all the more convenient and easy
- However, Indiabulls Dhani is a step ahead as it is a first of its kind mobile application by Indiabulls Ventures that lets you enjoy the benefits of personal loans instantly, anywhere, and anytime
- You don't need to visit a branch or call anyone
- With this application, you can enjoy instant disbursal at your fingertips
- It has a quick, hassle-free process giving the customer utmost convenience at every step
- IQC (Image Quality Check)
- CAM (Credit Appraisal Memo) Manage the entire credit application process
- CAM QC Manage quality of portfolio
- Appraise /underwrite the loan
- Manage the entire credit application process, right from login to disbursement
- Manage quality of portfolio
- Manage post disbursement documents and partly disbursed cases
- Co-ordinate with legal, technical, FI and Risk Containment Unit agency for processing the file
- Personal loans are easily available online, making it all the more convenient and easy
- However, Indiabulls Dhani is a step ahead as it is a first of its kind mobile application by Indiabulls Ventures that lets you enjoy the benefits of personal loans instantly, anywhere, and anytime
- You don't need to visit a branch or call anyone
- With this application, you can enjoy instant disbursal at your fingertips
- It has a quick, hassle-free process giving the customer utmost convenience at every step
Implementation Executive
Finacus Solutions Pvt Ltd
Mumbai
02.2017 - 09.2017
- Company Overview: Finacus Solutions Pvt Ltd is a software solution organization in the field of financial domain (Banking)
- It works under guidance of NPCI to carry out financial services for Banking Institutions
- Implementing Customized and service-oriented approach in products and services through disruptive innovation and providing support to complex Banking operations
- Domain Knowledge of Financial, Non-Financial Transactions
- Implementation of ATM/IMPS, & Physical support to the Clients
- Client interaction in terms of Customer requirement, Analysis, Deployment
- Recognizing problematic matters and errors in the already run or executed methods and procedures of the company and developing settlements for the same
- Finacus Solutions Pvt Ltd is a software solution organization in the field of financial domain (Banking)
- It works under guidance of NPCI to carry out financial services for Banking Institutions
- Implementing Customized and service-oriented approach in products and services through disruptive innovation and providing support to complex Banking operations
Education
B.COM -
Nirmal College of Commerce and Science
01.2016
HSC -
Nirmal College of Commerce and Science
01.2011
SSC -
Pal Rajendra high school
01.2009
Skills
- Domain Knowledge of Financial Transactions
- Domain Knowledge of Non-Financial Transactions
- Implementation of ATM/IMPS
- Client Interaction
- Credit underwriting
- Problem Solving
- SQL
- MS Excel ( Advanced Excel )
- MS Word
- MS PowerPoint
- Microsoft outlook, word, and Excel
- Adobe Photoshop
- Web Server IIS
- SQL Server 2008
- SQL Server 2014
- Windows
- Adaptive
- Quick Learner
Projectshandled
- LAP Loan, Checking Salaried / Self-employed profiles of Co-Lending and onward lending LAP, home loan and personal loan proposals of partners., Verifying the KYC & Income documents Accepting file for logins., Work out Eligibility as per the Policy Framework., Doing telephone PD with Customers for the verification., Complete system entry of approved cases and provide sanction letter on TAT., Training CPA's and new joiners for creating value to team and growth of organization., Processing Education Loan cases for Sanction., Handling Customer queries on call and mail., Maintaining daily Productivity MIS of team.
- IMPS, Kalyan Janta Sahakari Bank: Batch Process of Transactions for Load Balancing (Transaction Decline Handling)., Janseva Pune: CyberPlat- Bill Utility Payment application setup., Apna Sahakari Bank: Branch Banking Setup (UAT & Go-live activity)., Greater Bank: ISO Interface UAT setup., Mahalaxmi Bank: CyberPlat- Bill Utility Payment application setup., Odhisha State Co-op Bank: Portal Setup for All branches., Mahanagar Bank: UAT Setup for IMPS Transactions, Branch Banking Setup (UAT & Go-live activity).
- CARD MANAGEMENT, Veershaiv Co-op Bank: Insta Card Generation., Hasti Co-op Bank: Portal Setup for Card Management., Jawahar Bank: Insta Card Generation.
- UPI PROJECTS, Bank of Baroda.
- INTERNET BANKING, Thane Bharat Sahakari Bank Ltd., Jankalyan Sahakari Bank Ltd., Rajkot Nagrik Sahakari Bank Ltd.
- AGENT BANKING, Veershaiv Co-op Bank, Kolhapur.
Languages
- English
- Hindi
- Marathi
Hobbies and Interests
Playing Cricket
Personal Information
- Date of Birth: 05/26/94
- Gender: Male
- Nationality: Indian
- Marital Status: Married
- Religion: Hindu
Timeline
Senior Credit Executive
Capital India Finance Limited
09.2021 - Current
Credit Operations Team
Paysense Services India Pvt Ltd
11.2019 - 06.2020
Credit Executive
Team lease (Working for Indiabulls Venture Ltd)
12.2017 - 10.2019
Implementation Executive
Finacus Solutions Pvt Ltd
02.2017 - 09.2017
B.COM -
Nirmal College of Commerce and Science
HSC -
Nirmal College of Commerce and Science
SSC -
Pal Rajendra high school
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