Kashish Kalra
Lucknow
Summary
- Results-driven MBA professional with over 10 years of comprehensive experience across Retail, Services, and Finance domains, with a strong track record in delivering exceptional customer support and operational efficiency.
- Possesses a sound understanding of Credit Support Functions including document verification, customer coordination, and loan servicing. Well-versed in office operations, administrative processes, and cross-functional collaboration.
- Skilled in multi-tasking, time management, and prioritization, with a commitment to maintaining high standards of service delivery and professionalism.
Overview
15
15
years of professional experience
Work History
Credit Appriaser
HDFC Bank
Lucknow
07.2023 - Current
- Evaluate the creditworthiness of salaried customers by analyzing income stability, employment history, and financial documents in accordance with internal credit policies.
- Conduct structured telephonic interactions with customers to gather information related to loan appraisal, eligibility, and servicing needs.
- Examine and interpret credit documentation such as salary slips, bank statements, Form 16, and other relevant financial records.
- Prepare credit assessment reports and provide informed recommendations for loan approvals.
- Facilitate smooth inter-departmental coordination with Credit, Operations, and Sales teams to ensure timely loan disbursement and issue resolution.
Portfolio Manager
ICICI HFC
Lucknow
01.2023 - 06.2023
- Developed strategic plans for day-to-day financial operations.
- Undertake the Credit Assessment Process within defined turn-around-time of Salaried Cases.
- Manage the complete Life-Cycle of Loan process, through credit application till disbursement.
- Ensure Pre and Post Disbursement Documents and covenant management.
- Work closely with internal teams such as legal, technical valuation, field investigation, risk containment amongst others.
- Focus on delivering best in class service and transaction experience to customers in every engagement.
Customer Service Officer
HERO HOUSING FINANCE LTD
Lucknow
12.2020 - 01.2023
- Developed strategic plans for day-to-day financial operations.
- Undertake the Credit Assessment Process within defined turn-around time of Salaried Cases.
- Manage the complete Life-Cycle of Loan process, through credit application till disbursement.
- Ensure Pre and Post Disbursement Documents and covenant management.
- Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others.
- Focus on delivering best in class service and transaction experience to customers in every engagement.
- Handle complaints, provide appropriate solutions & alternatives within the time limits and follow up to ensure resolution.
- Responsible for sending Original Property Papers to H.O and handover of Original Property Papers to Customer as per policy.
- Responsible for keeping track of all Original Documents, Disbursement/BT Cheque and daily payment.
- Responsible for collection of Sanction Condition Documents, OTC & PDD.
- Assist with Customer for Docket signing, Foreclosure request/payments and responsible for day to day operational activities.
Credit Coordinator
IDFC FIRST BANK LIMITED
Lucknow
08.2018 - 06.2020
- Verified customer documents, including KYC, application forms, and income documents, in alignment with product checklist.
- Performed telephonic personal discussions to gather necessary information.
- Coordinated with empanelled agencies to complete CPV, technical, and legal tasks within TAT in accordance with policy.
- Oversaw follow-up activities for monthly bills, NOC, and data purging of empanelled vendors.
- Ensured timely publication of MIS and file movement tracker.
- Collaborated closely with Credit Manager, Business Team, and Process Executive.
Customer Support Executive
ADA CHIKAN
Lucknow
12.2017 - 07.2018
- Addressed customer grievances through phone, email, and social media.
- Handled tracking and maintenance of data for orders, cancellations, refunds, and returns.
- Engaged in regular customer interactions to obtain reviews.
- Enhanced team-driven initiatives to optimize process efficiency and quality.
Back Office Executive
GREEN GAS LIMITED
Lucknow
07.2012 - 01.2017
- Addressed customer concerns and questions through telephone communication.
- Ensured accurate upkeep of customer registration and payment records.
- Clarified customer complaints to identify the root cause of product and service issues.
- Identified optimal solutions to address issues and ensured successful implementation.
Customer Care Associate - Mobile Business
RELIANCE COMMUNICATIONS LTD
Lucknow
08.2010 - 01.2012
- Delivered end-to-end customer service support in the Digital Equipment Division, including query resolution, issue handling, and product information dissemination.
- Coordinated with Head Office and cross-functional teams to address service requests and provide timely feedback to customers and internal staff.
- Acted as a checkpoint for verifying application forms, KYC documents, and other customer-provided proofs as per compliance standards.
- Maintained accurate and up-to-date customer records, including registrations and billing information.
- Ensured high levels of customer satisfaction while contributing to the achievement of defined sales and collection targets
Education
MBA -
Karnataka University
07.2014
Post Graduation -
C.S.J.M University
Kanpur01.2012
Graduation -
University of Lucknow
Lucknow01.2010
Skills
- Flexible and Adaptable
- Problem-Solving
- Multi-Tasking
- Quick Learner
- Customer service
- Inter-departmental coordination
- Attention to detail
Personal Information
- Date of Birth: 14/12/1989
- Nationality: Indian
- Marital Status: Married
Languages
Hindi
Beginner
A1
English
Upper Intermediate
B2
Punjabi
Proficient
C2
Timeline
Credit Appriaser
HDFC Bank
07.2023 - Current
Portfolio Manager
ICICI HFC
01.2023 - 06.2023
Customer Service Officer
HERO HOUSING FINANCE LTD
12.2020 - 01.2023
Credit Coordinator
IDFC FIRST BANK LIMITED
08.2018 - 06.2020
Customer Support Executive
ADA CHIKAN
12.2017 - 07.2018
Back Office Executive
GREEN GAS LIMITED
07.2012 - 01.2017
Customer Care Associate - Mobile Business
RELIANCE COMMUNICATIONS LTD
08.2010 - 01.2012
MBA -
Karnataka University
Post Graduation -
C.S.J.M University
Graduation -
University of Lucknow