Karan Vasant Kamble

Responsibility -

1. Loan Processing & Documentation

Conduct field visits to assess home loan applications, verify property documents, and ensure compliance with lending policies.

Coordinate with legal, valuation, and technical teams for property due diligence.

2. Sales & Business Development

Identify potential clients (builders, real estate agents, direct customers) to generate home loan leads.

Achieve monthly/yearly sales targets by promoting loan products and cross-selling insurance/investment options.

3. Credit Risk Assessment

Evaluate borrower profiles (income, credit history, repayment capacity) and recommend loan approvals/rejections.

Mitigate risks by ensuring accurate KYC, CIBIL checks, and collateral valuation.

4. Customer Relationship Management

Resolve customer queries related to loan eligibility, interest rates, and disbursement processes.

Maintain post-sanction relationships for renewals, top-ups, and referrals.

5. Coordination & Reporting

Liaise with internal teams (underwriting, legal, operations) to expedite loan disbursals.

Prepare MIS reports on lead conversion, rejection reasons, and portfolio performance using Excel/Power BI.

6. Compliance & Process Improvement

Ensure adherence to RBI guidelines, internal SOPs, and anti-fraud measures.

Suggest process optimizations to reduce turnaround time and enhance customer experience.

Responsibility -

Support to Operational Teams

1. Act as a bridge between operations and IT or business units.

2. Provide operational support for new product launches or system upgrades.

3. Help resolve operational issues or discrepancies (e.g., transaction errors, settlement issues).

Responsibility -

Basic Banking Services Delivery

1. Assist customers in opening savings or Jan Dhan accounts.

2. Help customers deposit, withdraw, or transfer money using micro-ATM or biometric systems (Aadhaar-based).

3. Provide passbook printing and mini statement services.

Responsibility -

Customer Query Handling

1. Respond to customer queries through phone, email, chat, or in-person (branch or call center).

2. Provide information related to account balances, transactions, statements, interest rates, loan EMI schedules, etc.

3. Guide customers on banking products and services.