Hi, I’m
Mukesh Vishwakarma
Credit Manager
Mumbai
Summary
Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services also Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 9 years of financial industry expertise.
Overview
11
years of professional experience
Work History
Adwell Design & Advertising Pvt Ltd
2019.03 - 2023.05 (4 education.years_Label & 2 education.months_Label)
Job overview
- Adwell Design is a New Start-up to offer consultancy in BTL Marketing and shoppers marketing solutions to Retails FMGC Companies for their Brands
- Managing day to day operations and Co-coordinating between India and Dubai Office and Clients
- Preparing of Presentation & Present to client
- Taking care of Productivity of firm
- Project Management
- Managing Teamwork.
Sharekhan BNP Paribus Financial ServicesMumbai
Credit Manager
2018.07 - 2019.03 (8 education.months_Label)
Job overview
- Operation Underwriting for Unsecured Loans (PL&BL)
- Responsible for Test scenario, detailed Test cases preparation while working with Business teams
- Reviewed and analyzed loan procedures.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Contribute towards project planning in terms of estimation and able to give suggestions to the UAT Lead/Test manager
- Responsible for reporting the project status progress to the Leads/customer during test planning as well as execution in form of Daily status and Weekly status
- Responsible for the testing of various systems ( Indus LOS / Perfios / Cibil Check/ PAN Check through NSDL / Credit Vidya Verification Check)
- Advice for changes in the product and policy norms basis current market scenario
- Vendor management Research and do coordination with vender team.
Cashe, Bhanix Finance & Investment LimitedMumbai
Credit Manager
2017.12 - 2018.06 (6 education.months_Label)
Job overview
- Operation Underwriting PL & Credit Card Unsecured Department
- Key Result Areas:
- Reviewing the complete file and ensuring various documents in the file are valid
- Verifying all KYC documents of applicant salary slip / credit report / bank statement / residence address proof
- Calculating applicant income & liabilities to ensure the limit is applicable to the applicant as per his requirement
- Used Perfios / Credit Vidya / LOS to perform credit appraisals, document verification and loan approvals.
- Monitoring error rate & write-off analysis and segmenting customer profiles into high-risk profiles
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
IndusInd Bank LtdMumbai
Manager
2016.05 - 2017.08 (1 education.year_Label & 3 education.months_Label)
Job overview
- Key Result Areas:
- Underwriting all application assigned to me within time limit
- Credit card & personal loan underwriting
- Reviewing the complete file and ensuring various documents in the file are valid
- Verifying all KYC documents of applicant salary slip / credit report / bank statement / ITR Form / residence address proof
- Calculating applicant income & liabilities to ensure the limit is applicable to the applicant as per his requirement
- Managing various lending operations including appraising proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning personal loans, business loans and mortgages.
- Monitoring error rate & write-off analysis and segmenting customer profiles into high-risk profiles
- Undertaking non-starter updates to credit and identification of risks and monitoring of risks arising by funding of certain profiles.
Sutherland Global ServicesMumbai
Quality Analyst Specialist
2015.01 - 2016.04 (1 education.year_Label & 3 education.months_Label)
Job overview
- Developed and maintained quality assurance procedure documentation.
- Collaborated with management to provide training on improved processes and assisted with creation and maintenance of quality training.
- Provided regular updates to team leadership on quality metrics by communicating consistency problems or production deficiencies.
TCS E-Serve Limited
Quality Analyst Underwriting
2013.01 - 2015.01 (2 education.years_Label)
Job overview
- Provided regular updates to team leadership on quality metrics by communicating consistency problems or production deficiencies.
- Edited, proofed and critiqued internal documents to improve clarity.
- Participated in departmental meetings to establish short- and long-term strategy.
- Defined and implemented quality initiatives to reduce risk.
- Developed and maintained quality assurance procedure documentation.
Axis Bank LimitedMumbai
Executive Accountant
2012.01 - 2012.07 (6 education.months_Label)
Education
Shankar Narayan College, Mumbai University
Bachelor of Accounting and Finance (BAF)
Shankar Narayan College
12th
Rahul Vidya Niketan School, Maharashtra Board
10th
Skills
Financial AnalysisRisk ManagementTeam ManagementClient Relationship ManagementClaims ProcessingDocumentation & VerificationQuality ManagementIT SKILLSMS Office Packages, Microsoft Word, Excel, PowerPointOperating Systems: Windows XP, Vista and Windows 7KNOWLEDGE PURVIEWKnowledge ofApplications and tools supporting document operationsLegal Documentation ProcedureRisk UnderwritingUAT TestingResearch & AnalysisPERSONAL DETAILSDate of Birth:20th October 1990Languages Known:English, Hindi, Marathi & GujaratiAddress: Hitakshi Heights 405 Indralok Phase 8 Mira Bhayander (E), Thane – 401105HighlightsAlerted underwriters on work priorities regarding potential quote and policy issuance aging violationsLiaised and interfaced with international insurance companies and reinsurance brokers; prepared various claims and underwriting statisticsIn-charge of claims processing and settlement for Health and Life Insurance productsProvided medical opinions on underwriting cases & claims from various marketsJan’15 – Apr’16: Sutherland Global Services, AiroliProcess Improvement Analyst Auditor– Mortgage ProcessKey Result AreasReviewed the complete file and ensured the various documents in the file were in sync with all the others and the loan application on the system also validated the documentsCalculated borrower Loan Amount for verifying any sort of fundsAnalysed HOI, HOA, TAX and verified borrower for the paymentsEnsured all the borrower details, case numbers, loan number and critical information were matching on all the documentsFilled the checklist created internally by the organization in order to ensure that the key details and key numbers were captured accurately on the checklistUnderstood the loan requirements before actual submission to ensure one touch approvalsKept a track of TA (expected turn around) and ensured prompt follow-up for the loan decision upon expiryDocumented file and reviewed final conditions for complianceCo-ordinated with concerned departments in order to ensure that the loan proceeds were transferred to the respective parties, including the fees payable to our companyProvided reports to higher authority of management regarding escalated loansAdministered the team in absence of Manager & supported the team in its workConducted audit of the loans and ensured compliance to standardsAssisted underwriters in calculating possible risk and deciding how much individuals or organizations should pay for insurance (the premium); decided on whether the risk should be shared with a reinsurerNegotiated terms with policyholders or their brokers and ensured that premiums were competitiveMaintained detailed and accurate records of policies underwritten and decisions made
Investigations
Fraud knowledge
Proficient in English / Hindi / Marathi
Credit reports
Risk mitigation
Financial analysis and reporting
Bank security expert
Timeline
Adwell Design & Advertising Pvt Ltd
2019.03 - 2023.05 (4 education.years_Label & 2 education.months_Label)
Credit Manager
Sharekhan BNP Paribus Financial Services
2018.07 - 2019.03 (8 education.months_Label)
Credit Manager
Cashe, Bhanix Finance & Investment Limited
2017.12 - 2018.06 (6 education.months_Label)
Manager
IndusInd Bank Ltd
2016.05 - 2017.08 (1 education.year_Label & 3 education.months_Label)
Quality Analyst Specialist
Sutherland Global Services
2015.01 - 2016.04 (1 education.year_Label & 3 education.months_Label)
Quality Analyst Underwriting
TCS E-Serve Limited
2013.01 - 2015.01 (2 education.years_Label)
Executive Accountant
Axis Bank Limited
2012.01 - 2012.07 (6 education.months_Label)
Shankar Narayan College, Mumbai University
Bachelor of Accounting and Finance (BAF)
2011.04
Shankar Narayan College
12th
2008.04
Rahul Vidya Niketan School, Maharashtra Board
10th
2006.04