Navneet Sandhu
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
3
3
years of professional experience
8
8
years of post-secondary education
Work History
Assistant Vice President
Yes Bank
01.2022 - Current
- Independently assessing the effectiveness of controls, identifying weaknesses or gaps in credit operations, and recommending corrective actions.
- Valuating the overall risk exposure associated with the working capital loan, considering factors such as industry trends, economic conditions, and borrower-specific risks.
- Making sure all internal policies of bank in regards to assessment, collateral, dedupe, deviations and approvals are in line with bank's policies
- Initiated Data Based Hindsighting for immediate identification and ratification of errors made during data entry transgression of power, program type etc.
- Conducting Real Time Credit Audit leading to improved TAT and cost savings.
Regional Credit Manager (Working Capital)
ICICI Bank Limited
5 2021 - 12.2021
- Appraisal of fund based and non-fund based credit facility upto Rs. 200 mn
- Overseeing lending operations vis-à-vis appraising proposals, scrutinizing documents and note preparation before sanctioning loans
- Underwriting, granting credit and setting term and conditions in regards to financials, policy and mortgage on which it is granted
- Ensuring closure of files within set turnaround time
- Monitoring disbursed cases and recovering the delinquent accounts to achieve company's standard of delinquency
- Acting as a liaison between various teams lie business, policy, product and operations
- Handling portfolio of customer having TOI of upto Rs1000 mn
- PD with customer for better understanding of business.
Credit Manager (Business Loan)
ICICI Bank Limited
6 2017 - 04.2021
- Part of Central Credit Team. Appraised OD facilities upto Rs. 10 mn (secured) for pan India businesses.
- Overseeing CPA tasks of Login acceptance, note preparation and document check before credit underwriting.
- Understanding business and market trends by customer interaction, field visit and market research
- Analyzing the applicant's financial status through bank statement, dedupeand collateral to determine the feasibility of granting loans
- Set credit policies, credit lines, procedures and standards in conjunction.
- Appraised unsecured loans for pan India customers amounting to Rs. 5 mn.
Education
PGDM -
SDA Bocconi
01.2015 - 04.2017
Economics Hons -
Institute For Excellence in Higher Education
01.2011 - 04.2014
XII -
St. Joseph's Co-Ed
01.2010 - 04.2011
X -
St. Joseph's Co-Ed
01.2008 - 04.2009
Skills
Credit Audit
Policy compliance
Project Implementation
Problem-solving
Employee Relations
Languages
Hindi
English
Punjabi
Interests
Travelling
Trying variety
Accomplishments
- Achieve
- Achieved savings by completing [Task] with accuracy and efficiency.
- Highest case closure for 2 consecutive years with average of 35 cases per month, 2017-01-01
Timeline
Assistant Vice President
Yes Bank
01.2022 - Current
PGDM -
SDA Bocconi
01.2015 - 04.2017
Economics Hons -
Institute For Excellence in Higher Education
01.2011 - 04.2014
XII -
St. Joseph's Co-Ed
01.2010 - 04.2011
X -
St. Joseph's Co-Ed
01.2008 - 04.2009
Regional Credit Manager (Working Capital)
ICICI Bank Limited
5 2021 - 12.2021
Credit Manager (Business Loan)
ICICI Bank Limited
6 2017 - 04.2021
Similar Profiles
PREETI AGARWALPREETI AGARWAL
Personal Banker Operations at YES BANKPersonal Banker Operations at YES BANK
SAGAR KALRASAGAR KALRA
Assistant Manager at YES BankAssistant Manager at YES Bank
VAIBHAV KUMAR KAUSHIKVAIBHAV KUMAR KAUSHIK
Deputy Branch Manager at Yes BankDeputy Branch Manager at Yes Bank
Preksha SankhalaPreksha Sankhala
Senior Manager - Internal Audit at Yes BankSenior Manager - Internal Audit at Yes Bank
Ramasubramanian N VRamasubramanian N V
Vice President / Assistant Vice President at CitigroupVice President / Assistant Vice President at Citigroup