Piyush Goswami
Bangalore
Summary
Reliable Manager demonstrating high level of ownership and initiative. Possessing exceptional work ethic and desire to go above and beyond to exceed company expectations. Offering knack for building productive working relationships. Successful in fast-paced, deadline-driven environments to manage goals and team development. History of thriving in team-oriented environments.· Around 14 years plus of experience in Business Operation, Credit Initiation, Credit Approval, Field operations and Credit Collection.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Manager (Operation Retail Banking Onboarding and ITO Country Ops) Product Unsecured loans –Salaried)
Standard Chartered
02.2017 - Current
- Managing the business operation and provide operational support for credit granting process, Onboarding process and end to end solution to improve the service level efficiency throughout the organization
- Actively take part in: Regular Process review, Client Onboarding, Real Time Onboarding, Coordinate between front end and technology on technical issues, Identify and address inter/intra departmental process issues, Checking every application to identify exceptional technical issues, Partnering with Business Stakeholders, Technology team, Product team could get the issues reduced by 60% in 3 years, Investigating and reporting identified issues using sample cases and presenting it to the business partners.
Credit Manager (Branch lending) (Product Unsecured loans –Salaried and self-employed loans, Secured Loans)
HDB Financial Services Limited
07.2014 - 01.2017
- Credit granting process, including the consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers, with the goal of optimizing the mix of company sales and bad debt losses
- Credit Management, Maintain a department organizational structure sufficient to meet all goals and objectives, Properly motivate the credit and collections staff, Measure department performance with appropriate metrics, Provide for ongoing training of the credit and sales staff, Credit Underwriting for unsecured & secured loan, Ensuring the product is underwrite as for the given policy, Ensuring proper deviation taken for further process of loan, Manage customer credit files as per the TAT, Accept or reject the staffs on credit recommendations, Credit collection and monitoring the portfolio for the delinquent accounts, Manage relation with collection team to provide appropriate details for further collection, Monitor the credit granting and uploading the process, Manage the proper updating of late fees and other charges for the account.
Asst Credit Manager (Field Operation) (Micro lending products)
Ujjivan Financial Services Pvt. Ltd
11.2007 - 07.2014
- Implementation of credit policy norms, Ensure that the Product program is properly followed, Incorporate credit inputs into the product program relating to south region, Credit training, Monitoring credit collection and Supervision, Act as interface between the field, operations, MIS personnel and any other similar requirements from time to time, Credit assessment for the individual loans and JLG loans, Credit Risk management, Identification of credit risk, operational risk and Environmental risk, To measure and quantify expected and unexpected losses, Capture of data based on feedback from the field for analysis and course correction, Risk control measure (Risk mitigates), Portfolio management and provisioning norms, Studying portfolio in the context of exposures and delinquencies, Perform analytical / quantitative analysis of the trends of loan portfolio repayments and customer base on a weekly and monthly basis, Identification of cases of rescheduling and write off, Classification of assets as standard/sub standard/doubtful and loss assets as per RBI norms and allocate provisions accordingly for RBI returns, Team coordination with: Sales, Quality control, Customer care, Operation, Accounts and Finance.
Credit Officer
I-Process services India PVT LTD (Product Personal Loan)
12.2006 - 06.2007
- Interaction with the customers, analyzing client financial situation, making decision of approval, handling logins, handling team constraints and all sales related queries.
Sales co-coordinator cum Credit process associate (Back-end)
I-Cash point (Product Personal Loan)
02.2006 - 11.2006
- Sales co-ordination, handling logins till disbursement of cheques, underwriting for personal loans, Follow-up with the clients, guiding the new sales coordinators.
Sales co-coordinator cum team leader
SMART NET (DSA of Tata Indicom)
10.2003 - 12.2005
- Checking the documents, handling sales constraints and queries.
Education
Skills
- Business Operation
- Credit Initiation
- Credit Approval
- Credit decision making
- Documentation Review
- Customer Due Diligence
- Risk Assessments
- Leadership
- Analytical skills
- Ability to work under pressure
- Problem-solving aptitude
- MS Office
- Windows XP
- Issue Resolution
- User Support
Personal Information
- Hobbies: Listening Music, Playing cricket, Football, Reading Business news papers and magazines, Case studies related to credit profile
- Father's Name: Hiralal Goswami
- Date of Birth: 12/06/83
- Gender: MALE
- Nationality: INDIAN
- Marital Status: Married
Professional/Awards recognitions
- Our team has successfully launched the Individual Business Loan for microfinance markets .
- Worked on setting up an independent field operations team to effectively manage credit risk at the field level.
Extracurricular Activities
Taking part in seminars held on management topics.
Projects
Customer satisfaction towards kinetic automobiles. Survey on millage, problem's encountered by the Customer at. ADITYA AUTOMATION in RAJAJINAGAR.
Accomplishments
- Service Excellence Awards for Individual Category in 2023 from Standard Chartered bank.
Certification
- IIBF Micro finance certification in 2013
Languages
Bengali
First Language
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Timeline
Manager (Operation Retail Banking Onboarding and ITO Country Ops) Product Unsecured loans –Salaried)
Standard Chartered
02.2017 - Current
Credit Manager (Branch lending) (Product Unsecured loans –Salaried and self-employed loans, Secured Loans)
HDB Financial Services Limited
07.2014 - 01.2017
Asst Credit Manager (Field Operation) (Micro lending products)
Ujjivan Financial Services Pvt. Ltd
11.2007 - 07.2014
Credit Officer
I-Process services India PVT LTD (Product Personal Loan)
12.2006 - 06.2007
Sales co-coordinator cum Credit process associate (Back-end)
I-Cash point (Product Personal Loan)
02.2006 - 11.2006
Sales co-coordinator cum team leader
SMART NET (DSA of Tata Indicom)
10.2003 - 12.2005
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