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
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