Neetesh Jain

Joined as Credit Officer in Equitas Small finance Bank. In 2020, Promoted as a Senior Officer.

• Conduct Personal Discussion with clients and verification business/employment.
• Make decisions of loan application for up-to 10 lac's proposals basis on all credit ratios.
• Approving deviation in application based on mitigates.
• Preparing cases and customer eligibility and make decisions.
• Recommendation credit approvals as per approval empowerment.
• Verification of collateral and do valuations.
• Manage Loan application of Loan Against Property (LAP), Home Loans (HL), Micro Small & Medium Enterprises (MSME), Affordable Home Loans (AHL), Agri Secured Loan. These all products i manage and process application based on eligibility and according to policy of each product.
• Doing Assessment of business and various profiles segments.
• Make strong portfolio, & take timely actions for efficiency collections.
• Check technical reports of collaterals and make action.
• Check TransUnion Cibil of clients, Commercial Cibil, Experian & High marks for credit history of customers, & make action accordingly.
• Reading Income statement, Audit reports to check customer eligibility and check risk.
• Used Retail Tracking System (RTS), SVS System & Wizard, to perform credit appraisals, document verification and loan approvals.
• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
• Compiled data critical to analysis of annual bad debt.
• Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
• Provided training to Business / Sales team and consulted with struggling teams to help meet monthly target goals.
• Optimized credit approval and collection processes, improving operational efficiencies.
• Maintain Audit score and respond audit queries by time to time.

• Generated over 3.50 Cr in Personal & Business Loans portfolio of Branch in overall term in Job.
• Evaluated consumer preferences and behaviors, combined with market trends and historical data, to adjust and enhance campaigns.
• Created printed marketing materials designed to drive campaigns.
• Executed optimal sales strategies to achieve commercial goals for my location market.
• Managed order cycle to enhance business development and maintain sustainability and customer satisfaction.
• Manage more than 8 Direct Sales Agencies and generates business from them.
• Read Financial Statement & Income analysis for process loan applications in unsecured segment in Personal & Business Loans.
• Have wrought of more than 150+ customers in my personal portfolio in Branch.
• Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
• Used Microsoft Word and other software tools to create documents and other communications.
• Doing personal discussion with clients and judging the End Use for fund to minimize the risk.
• Verification of Business, Employers before process application.
• Utilized personal and professional networks to identify, acquire and manage new clients.
• Reviewed and analyzed loan procedures.

• Manage Loan Application of Personal Loans, Business Loans, Business Installment Loans.
• Check customer cibil's by doing CRM and prepare Credit memo and forward applications to underwriter.
• Doing work in FinOne software and process application for disbursement.
• Maintain audit compliance.
• Manage vendors like FI's RCU and doing In-House sampling process.
• Reading Financial & income statements of customers & doing data Entry in Finone for preparing Credit Memo.
• Collected information from banks, institutions and employers to assess applicant eligibility.
• Conduct Televerification.

• Operated computers programmed with LOS to record, store and analyze information.
• Improved understanding of financial statements, which helped in assessing risk.
• Reviewed customer files on regular basis to make sure receivables were in sound condition.
• Process Loan Files and Prepare Credit Memo Report and forward case to Credit Underwriter Queue.
• Manage Different Vendors like - Advocate for search's, FI Verification Agency, RCU/FCU Agency.
• Initiate TransUnion Cibil Report of customers.
• Process loan Application of KISAN CREDIT CARD, TWO WHEELERS.

• Conduct personal discussion with clients and verification business / employment.
• Credit appraisal of loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
• Handle Loan against Property Proposals, MSME proposals, Mudra Loan proposals, Home loan proposals up-to ticket of 1 Cr.
• Check legal title clearance and other prospects regarding collateral up-to 25 Lakhs exposures and manage legal vendor.
• Directing collection drives of fresh bucket cases.
• Technical prospects on cases and manage technical vendors. · Maintain audit scoring of branch. monitoring loan repayments on time to time and control bad debts.
• Manage a team of CPA and DO · Maintain PSL scoring of branch as per RBI guidelines and internal policy guidelines.
• End use monitoring on time to time.
• Honored of AU SHINING STAR by head of department.