Paramjeet Singh
Mohali
Summary
Looking for Challenging and Responsible Assignment in Organization of repute that providing opportunity to utilize my skills for executing larger responsibility that have ample opportunity for my professional Growth.
20+ years of Experienced Professional with Servant Leadership Approach having brilliant exposure to Priority Sector lending in financial sector. Having Solid Knowledge of Customer Acquisition / Credit and collection receivable process, Proven Track on People and Functional execution. Worked with different Banks, NBFC in different capacity in various functions like Sales, Credit, collection & having notable exposure to cross functional with great hand on team development & motivation.
Overview
1
1
year of professional experience
1
1
Language
Work History
Area Credit Manager
John Deere Financial India Pvt. Ltd
- Accountable for entire credit underwriting process including input for policy update
- Revenue Record Verification, Profile, Track Verification
- Understanding of CIBIL, OFAC & UN Checks performed to understand customer credibility
- Adhere to prescribed polices, procedure & NBC norms of RBI
- Training & Development of Sales Team to achieved best TAT & Quality portfolio
- Industry update to HO for positive update in credit policy
- Ensure Adherence to KYC/AML Screening Requirement of the organization
- Credit Reports for assigned geography & Exception report PAN INDIA
- To monitor, collection, PDD & deferral & conduct Re-FI for assigned region
- To maintain 360-degree cross functional relation for smother business
- Dealer Visit, on spot credit decision in view of bulk business
- To take Monthly review of team for NS, ED & ID & visiting critical cases.
Location Credit Head-TFE
Kotak Mahindra Bank Ltd
- To analyze feasibility and viability of Commercial/agri/semi agri user
- To analyze credit worthiness, viability of project and repaying capacity of applicant
- To Prepare CAM & sanction loan [up to 4.0L] & Recommending according to analysis
- Ensure to maintain quality portfolio with help of Internal De-Dupe, CIBIL De-dupe and Risk Containments Unit ( RCU)
- Adhere to prescribed polices, procedure, system for appraising tractor deal
- Verification & Authenticity Checks of Docs, i.e
- Jamabandi, SOA, KYC etc.
Senior Credit Analyst
Magma Fincorp Ltd.
- Appraising & Sanctioning the loan (up to 3.50 Lacs) proposal for SBU Karnal (Karnal, Yamuna Nagar, Ambala, Hissar, Rohtak Branches)
- Reference Verification i.e
- Financier Reference Check (FRC) Locality Reference Check (LRC) through existing ETR customers, Trade Reference Check (TRC) through the business relationship of the client
- TVR, Reference Verification of Proposed Applicants/Guarantor
- Deviation Approvals with proper mitigates from the appropriate authority as mentioned in the Deviation Approval Matrix
- Conduct Re-FI (for ED/ID Cases) and document a report for the same
- Preparing Credit Appraisal Memo and Recommending for the Approval
- Ensure to maintain quality portfolio with help of Internal De-Dupe, CIBIL De-dupe and Risk Containments Unit ( RCU)
- Adhere to prescribed polices, procedure, system for appraising tractor deal
- Verification & Authenticity Checks of Docs, i.e
- Jamabandi, SOA, KYC etc
- Achieve ED/ID targets.
Executive-Agri Lending
HDFC Bank Ltd.
- To Market the agricultural schemes (KGC, KCC Arthia, CC) with Bank and aware about Bank’s Terms and Conditions
- Source business from agri individuals and agri- professionals for their Crop/ Commodities & Working Capital requirements
- Laise with Credit team to ensure clearance of proposals
- Assist in disbursement formalities
- Maintain & Enhance Agri Portfolio
- Manage the existing as well as future relationships
- Coordinate with Collections team, and strong follow up for recovery
- Cross Sell CASA & TPP.
Divisional Credit Manger
John Deere Financial India Pvt. Ltd
11.2023 - Current
- Accountable for Retail credit objective for North Divisions, Ensuring Sustainable outcome
- Portfolio Management for Early Delinquency as well Customer Service
- Credit decisioning on High Volume exposure & Monitoring Policy process adherence
- Score card Improvement Input along with industry update for competitive credit policy
- Leading Monitoring & Coaching Team and ensuring efficiency improvement
- Participation in Strategic initiative/meeting for retail vertical and cross functional
- Leading Change management for digital adoption to support business
- Led initiative for Team Development & Competency Assessment for India Retail Credit team
- Ensuring optimum resource management by Inspiring Team for cross functional activities
- Updating Divsional performance on KPI to leadership and insuring continuous improving
- Leading as Accountability Driver for team in critical geography in term of business/ collection
- Developing Culture of appreciation & empowerment.
Education
B. Com -
KUK (Haryana)
MBA - Marketing & Finance
MDU Rohtak (Haryana)
Skills
Underwriting
Risk Management
Negotiation Skill
Portfolio Management
Business Development
Relationship Management
Customer Service
Fraud Verification
Rural Market Intelligence
Crop Economics
Geographic analytical Skill
Leadership
Team Management
Training & Development
MS Office PBI and Presentation
Oracle Operation (John Deere & Magma)
Familiar with Finacle & Fin One
Personal Information
- Father's Name: S. Sohan Singh
- Date of Birth: 11/09/76
- Nationality: Indian
- Marital Status: Married
Previous Work Experience
- BIRLASUNLIFE INSURANCE Co., Agency Manger, 09/06 - 05/07
- HBL Global Pvt. Ltd, Sales Executive, 05/06 - 08/06
- Kamal Tours & Travels, Operation Executive, New Delhi, 12/03 - 05/06
- RKHS-Hospitality, Executive-Sales, Delhi, 07/00 - 12/03
Disclaimer
I hereby declare that all the information provided by me is purely true and accurate to the best of my knowledge.
Timeline
Divisional Credit Manger
John Deere Financial India Pvt. Ltd
11.2023 - Current
Area Credit Manager
John Deere Financial India Pvt. Ltd
Location Credit Head-TFE
Kotak Mahindra Bank Ltd
Senior Credit Analyst
Magma Fincorp Ltd.
Executive-Agri Lending
HDFC Bank Ltd.
B. Com -
KUK (Haryana)
MBA - Marketing & Finance
MDU Rohtak (Haryana)
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