KANWARJEET SANDHU
Credit manager
Paschim Vihar,Delhi
Summary
Driven and ambitious, dedicated to securing a promising position within a private sector organization. Strong work ethic and unwavering determination to achieve goals. Committed to contributing skills and expertise to make a meaningful impact within the organization.
Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Overview
18
18
years of professional experience
3
3
Languages
Work History
Credit Manager (Deputy Manager - L2 Officer)
HDFC Bank
12.2019 - Current
- Underwriting & decisioning of credit card applications sourced received from sales team for HDFC Bank & supervising underwriting team & doing sign off for team with cad of 5 lakhs
- Checking customer profile, KYC, CIBIL, CPV reports, negbase, dedupe of all applications
- Closure of allocated cases TAT to avoid escalations along with meeting quality metrics
- Handling of curables received for declined applications from sales team so that cases can be restarted basis curable to improve approval rate to prepare MIS for same
- Also did Restructuring of cases which are required to reduce NPAs for the bank
- Detection of fraudulent credit card applications & highlighting the same
- Won Silver Star of the month award in March’ 24 in HDFC bank
- Won Silver Star of the month award in August ’22 in HDFC bank
- Won Trophy for September ’22 for highest number of cases processed
- Won Employee of the month award cards in June ’19 in SBI cards
Senior Executive in Operations Team
SBI Cards
01.2016 - 11.2019
- Make and maintain MIS reports, conduct Presentations for card delivery TAT
- Managing NFT’s with regards to Distribution analytics process
- Meeting with vendors at sites SVCL (Service view check list)
- Auditing the work done by vendors
- Taking initiatives for process development by JDI
Executive in Nodal Team
SBI Cards
04.2015 - 03.2017
- Receiving complaints from customer regarding their SBI card issues
- Reverting of Escalations to customer within defined TAT
- Providing RCA of customer complaints with proper analysis to reduce complaints
Customer Care Executive
SBI Cards
06.2013 - 03.2015
- Outbound Sales – Doing day to day outbound sales by calling customers in which used to do sales of Balance Transfer (BT), Easy Money Draft, Personal Loan & meeting required targets
- Resolving customer queries & complaints received in Inbound calls from customers
Business Owner
01.2007 - 05.2013
- Handled own Business of courier related to booking of couriers domestic as well as international & tracking delivery
Education
MBA -
Sikkim Manipal University
BCA - undefined
IP University (Guru Gobind Singh IP University)
12th - undefined
St. Marks School
New Delhi10th - undefined
St. Marks School
New DelhiSkills
Punctual
Flexible
Motivated
Credit analysis
Credit reports
Risk analysis
Risk assessments
Expertise in [software]
Performance improvements
Software Platforms Experience
- Excel
- Vision+
- Digital APS
- Flexcube
- Finone
- Cardone
- Salesforce
Personal Information
- Father's Name: M.S. Sandhu
- Date of Birth: 08/27/84
- Religion: Sikh
Timeline
Credit Manager (Deputy Manager - L2 Officer)
HDFC Bank
12.2019 - Current
Senior Executive in Operations Team
SBI Cards
01.2016 - 11.2019
Executive in Nodal Team
SBI Cards
04.2015 - 03.2017
Customer Care Executive
SBI Cards
06.2013 - 03.2015
Business Owner
01.2007 - 05.2013
BCA - undefined
IP University (Guru Gobind Singh IP University)
12th - undefined
St. Marks School
10th - undefined
St. Marks School
MBA -
Sikkim Manipal University