Kranti Goswami

• Managed a successful sales team, consistently achieving and exceeding monthly sales targets.
• Expanded market share through effective prospecting, lead generation, and negotiation skills.
• Established strong relationships with key clients, resulting in increased customer retention and satisfaction.
• Established strong relationships with major accounts and key decision-makers to increase sales in designated territory.

• Conducted thorough due diligence by reviewing and analyzing legal, technical, and property documents to ensure compliance with lending regulations and minimized risk exposure.
• Audited and verified applicant files against strict criteria, ensuring the inclusion of all necessary documentation to streamline the applicant login and initial processing stages.
• Oversaw the end-to-end lead management process, implementing tracking protocols that improved visibility and flow from generation to conversion.
• Managed and executed centralized lead flow , tracking and monitoring performance metrics for 82 SM/BSMs across 15 branches, driving higher conversion ratios and efficient utilization of existing customer leads.
• Coordinated cross-functionally with various branches to resolve pending queries and expedite the receipt of critical documents required for file sanctioning, maintaining strict processing timelines.
• Monitored disbursement details and timelines, proactively identifying potential delays and resolving operational issues to ensure the timely release of funds to applicants.
• Served as the primary point of contact for resolving all applicant login and documentation queries promptly, enhancing customer experience and reducing turnaround time.

• Processing loan applications from the login stage by verifying FTR/FTNR, KYC compliance (Sign & OSV), and checking initial system entries done by branches to ensure seamless file processing.
• Conducting PD visits along with the Credit Manager, performing buyer–supplier checks, and coordinating with borrowers for resolution of pending requirements.
• Reviewing legal and technical reports for completeness, assignment, and ensuring timely receipt of vendor reports within stipulated TAT.
• Drafting various Agreements, Deeds, Reply Letters, NOCs, Applications, and other legal documents.
• Visiting legal vendors for vetting and verification of original documents.
• Performing file checks, CAM preparation, Credit Underwriting, Credit Appraisal, PD note preparation, and handling big-ticket loan cases up to ₹1 crore.
• Analyzing credit reports to assess borrower credit history and identify potential risks or red flags.
• Ensuring strict compliance with internal policies and regulatory guidelines through accurate documentation of credit decisions.
• Managing time efficiently to ensure on-time completion of all assigned tasks and responsibilities.

• Processed retail loan applications including verification of KYC, financial documents, and system entry to ensure accurate and seamless workflow.
• Coordinated with branches, sales, and credit teams for resolution of discrepancies and improving documentation quality.
• Ensured strict adherence to RBI guidelines and internal policies through complete and accurate filing of documents.
• Maintained TAT for loan processing and disbursement, reducing delays and improving operational efficiency.
• Supported underwriting by completing file checks, risk assessment inputs, and validation of submitted documents.
• Managed data updates and loan entries in LOS and core banking systems with high accuracy. Handled multiple loan products including Home Loan, LAP, Auto Loan, Personal Loan and Business Loans.
• Improved customer satisfaction through accurate, transparent, and timely processing of loan applications.

• Evaluated MSME/SME loan applications by analyzing financial statements, bank data, bureau reports, and business performance.
• Conducted risk assessment to recommend loan approval or decline as per internal credit policies.
• Verified KYC, business documents, income proofs, GST data, and other required records for accurate underwriting.
• Coordinated with sales, verification, and underwriting teams to ensure timely processing and smooth customer experience.
• Maintained compliance with internal guidelines and regulatory requirements while ensuring strong documentation standards.
• Managed high-volume cases with efficient TAT and delivered consistent portfolio quality through accurate decision-making.