Timeline
Work History
Overview
Education
Skills
Summary
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Kiran Nikade

Kiran Nikade

Business Development Professional, Operations Management, Underwriting Expert & Analyst @ Secured Mortgages
Pune

Timeline

Business Development Manager

HDFC LTD
2021.04 - Current

Authorized Officer

HDFC LTD
04.2017 - 03.2021

Branch Operations Manager

HDFC LTD
04.2014 - 03.2017

Senior Mortgage Underwriter

HDFC LTD
04.2011 - 03.2014

Mortgage Loan Officer

HDFC LTD
05.2008 - 03.2011

MBA - IT & Finance

International University of Vienna
04.2006 - 07.2008

Bachelor Of Computer Applications - Computers

Tilak Maharashtra Vidyapeeth
04.2003 - 03.2006

HSC - Commerce

Hislop College
03.2001 - 04.2002

Work History

Business Development Manager

HDFC LTD
Pune, Maharashtra
2021.04 - Current
  • Performed client research and identified opportunities for account growth, account penetration and market expansion.
  • Developed new proposals, contracts and procedures to draw in more clients and streamline work operations.
  • Coordinated innovative strategies to accomplish marketing objectives and boost long-term profitability.
  • Implemented successful approaches to revitalize underperforming product lines and create new profit-generating enterprises.
  • Identified and pursued valuable business opportunities to generate new company revenue and improve bottom line profit.
  • Reached out to potential customers via telephone, email and in-person inquiries.
  • Monitored facility managers and staff performance through quarterly review assessments.
  • Responded rapidly to market shifts to make changes to corporate processes.
  • Improved efficiency and effectiveness of performance and management of processes across departments.
  • Collaborated with team members to achieve target results.
  • Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
  • Led projects and analyzed data to identify opportunities for improvement.
  • Devised and deployed sales and marketing tactics to drive strategic growth and support achievement of revenue goals.
  • Identified issues, analyzed information and provided solutions to problems.
  • Learned new skills and applied to daily tasks to improve efficiency and productivity.
  • Identified revenue opportunities by collaborating with distribution partners.
  • Proactively identified solutions for customers experiencing credit issues.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Monitored pipelines to track and log status of loans.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.

Authorized Officer

HDFC LTD
Pune , Maharashtra
04.2017 - 03.2021
  • Followed constitutional standards to properly obtain and execute warrants for arrests and searches.
  • Delivered calm, professional testimony to support case evidence, establish timelines and offer law enforcement expertise.
  • Identified witnesses and collected statements to gather information and pursue remedies for violations of legal standards.
  • Assessed credit risk and analyzed financial statements.
  • Conducted presentations to upper management and executive teams for loan recommendations.
  • Tracked policy exceptions to review and enhance underwriting guidelines.
  • Structured complex transactions and negotiated complex credit documentation to mitigate risk.
  • Counseled debtors on payment options and arranged installment agreements.
  • Helped clients plan payoffs for home equity, mixed-use and multi-family loans.
  • Researched accounts and completed due diligence to resolve collection problems.
  • Monitored accounts for compliance with established payment plans and flagged non-compliances.
  • Researched, analyzed and settled 150-200 disputes per month.
  • Supervised staff of collectors, monitoring phone calls and letters.
  • Trained and mentored new employees on collection methods, documentation requirements and performance strategies.
  • Reconciled vendor statements and handled payment complaints or discrepancies.

Branch Operations Manager

HDFC LTD
solapur, maharashtra
04.2014 - 03.2017
  • Trained employees on proper procedures and strategies to improve productivity.
  • Maintained branch files for major accounts, investments and employees.
  • Forecasted trends and recommended improvements based on financial risk analyses.
  • Boosted sales and customer loyalty through incentive programs.
  • Provided primary customer support to internal and external customers.
  • Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
  • Processed customer adjustments to maintain financial accounts.
  • Offered advice and assistance to customers, paying attention to special needs or wants.
  • Responded to customer requests for products, services and company information.

Senior Mortgage Underwriter

HDFC LTD
Pune , Maharashtra
04.2011 - 03.2014
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
  • Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
  • Checked personal and team calculations to validate information and underwriting decisions.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

Mortgage Loan Officer

HDFC LTD
Nagpur , Maharashtra
05.2008 - 03.2011
  • Worked with underwriters to fix application problems and resolve issues.
  • Reviewed loan files and updated to match current standards.
  • Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
  • Fielded customer complaints and provided solutions.

Overview

14
14
years of professional experience
6
6
years of post-secondary education

Education

MBA - IT & Finance

International University of Vienna
Nagpur
04.2006 - 07.2008

Bachelor Of Computer Applications - Computers

Tilak Maharashtra Vidyapeeth
Nagpur
04.2003 - 03.2006

HSC - Commerce

Hislop College
Nagpur
03.2001 - 04.2002

Skills

  • Process Improvement
  • Business Planning
  • Revenue Growth
  • Product Demonstration
  • Customer Needs Assessments
  • Goals and Performance
  • Business Operations
  • Mortgage Loan Servicing
  • Collection Practices
  • Loan Applications
  • Risk Mitigation
  • Microsoft Excel
  • Financial Analysis
  • Sales Expertise
  • Client Relationship Management
  • Delinquency Monitoring
  • Risk Analysis
  • Document Review
  • Legal Consulting
  • Customer Satisfaction
  • Appraisal Reports
  • Customer Accounts Management
  • Customer Proposals
  • Customer Interaction
  • Growth Management
  • Strategic Networking

Summary

  • Innovative Mortgage Industry Professional experienced in converting sales leads and managing multiple accounts. Highly skilled in forecasting, project management and strategic planning with exceptional communication abilities. Thorough in monitoring trends and capitalizing on emerging opportunities.
  • Energetic business development professional driven to motivate and excite employees to reach optimum performance.
  • Business Development Manager skilled in growing sales and improving stakeholder relations. Strategically-minded in capturing new business and leveraging dynamic market opportunities. Accomplished in exceeding targets with results-driven approach.

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Kiran NikadeBusiness Development Professional, Operations Management, Underwriting Expert & Analyst @ Secured Mortgages