Mangesh Manchekar

Nature of Job (Profile)

Product: Personal loan
1. Mainly works in post-approval:

* Checking the login files of personal loans that are received after pre-approval.

* Checking KYC documents and original verified documents for address proof (owned and rented customers), rental agreement, gas bill, etc.
Checking the customer's live selfie with KYC and OVD documents.
*Cheking all bills online which are given for current address proof
* Checking Employment details (Employer name with salary sleep, appointment letter etc)
* Cheking salary criteria of customer (salaried case) taking 6 months bank statement and 3 month salary slip for cross check salary which are received in banking ..
*Checking the loan in banking (Perfios) if the customer is already taking from another source. *Checking 2 years of ITR files and business proof for the self-employed case. *Taking a canceled check for checking bank details for disbursement. *Checking loan amount, EMI amount, and ROI.
*Checking NACH form (digital/digital)
*Checking CPV reports (physical/digital)
2. Checking courier cases.
3. Checking CKYC cases.
4. Proceeding with balance transfer cases:

* Cross-check active loans with the bureau of given BT documents.

* Check SOA, foreclosure letter, approval email, EMI schedule, etc.
* Checking the loan amount, principal amount, lender name, etc.
5. Checking the CIBIL/bureau of customers for active loans and details of the customer.

6. Working on kiosk system.
7. Checking dedupe by using junkins app.
8. Checking statement verification in Zoho. Checking the FCU and RCU report.
10. Taking follow-up with the sales team, DSA, and non-DSA.
11. Checking emails of NACH.
12. Doing the assignment of cases in MIS.
13. Doing telepd with the customer if it's required.

Nature of Job (Profile)

Managing a credit portfolio and conducting extensive credit analysis and underwriting on existing and prospective customers.
Evaluating the financial position and creditworthiness of customers, and CIBIL analysis.
Assessing, analyzing, and interpreting complicated financial information.
Keeping company credit exposures within set risk-bearing limits.
Adhere to the credit policy and guidelines as per the lender.
Daily reporting to the lender officer and documentation.
Involved in discussions with customers to understand the business purpose of the loan, etc. And also analyzing their past track record through CIBIL reports, etc.
 Preparing underwritten as per KYC.
Handling post-disbursement customer queries and resolving them by coordinating with the sales team.
I am properly working with ELS and Leads Squares (LS), both systems, and I have more knowledge about both systems.

Nature of Job (Profile)

Checking personal loan and business loan disbursement physical file documents, and given to the Ops team for NEFT to the customer account.
Involved in discussions with customers to understand the business purpose of the loan, etc. And also analyzing their past track record through CIBIL reports, etc.
 Preparing underwritten as per KYC.  Handling post-disbursement customer queries and resolving the same by coordinating with the sales team.  Preparing the Daily MIS and updating all stakeholders.
I am properly working with both the CRM and FINNONE systems, and I have more knowledge about both systems.

Nature of Job (Profile)

Monitoring various reconciliations at the CPU level on a daily basis for the entire India.
Checking various exceptions in all core systems.

In case exceptions are found, then getting those corrected by sending emails and making calls to the respective actionable team, as earlier.
Checking all the financial documents.
Checking and screening cases.
If there are any issues, then have the same discussion with the respective teams to rectify the mismatch cases.
Informing respective teams that cases are not getting authorized, which are pending for authorization.
Publishing various reconciliations, such as limit mismatch and segment mismatch.