PRATIK AGRAWAL
Ahmedabad
Summary
Dedicated professional with a history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. Strong attention to detail and ability to notice discrepancies in data, ability to scrutinize documents from an audit perspective with an eye for detail.
Worked in a variety of different fields to know and experience the ins and outs of various kinds of industries. Currently, looking forward to securing an appropriate position that will provide growth and opportunities with effective utilization of skills and experience and also the opportunity to learn more in a professional atmosphere.
- Currently pursuing MBA in Banking and Finance from NMIMS (ODL)
Overview
3
3
years of professional experience
3
3
Languages
Work History
Operations Credit Executive
Namdev Finvest Pvt. Ltd
Jaipur, Rajasthan
05.2022 - 11.2022
- Preparing and maintaining Daily-Monthly MIS reports for all secured and unsecured files for 3 states including Rajasthan, Gujarat and Madhya Pradesh from log-in till disbursement state and maintaining TAT.
- Marking pendency required for log-in, as per company policy.
- Creating sanction letter as per case approval.
- Administrating files by scanning, filling, and arranging them in order as per company checklist.
- Checking files to ensure compliance with company policy which includes, SPDC, Credit appraisal, disbursal memo, property valuation, legal and vetting reports, mortgage deed, property papers, CIBIL report, Sanction letter, KYC of all members, bank statements, cash flow, ITR, required legal stamps.
- KYC document verification as well as property documents verification for 3 states including, Rajasthan, Gujarat & Madhya Pradesh.
- Clearing discrepancies, and ensuring disbursement of files of 3 states, Rajasthan, Gujarat, and Madhya Pradesh.
- Marking pendency required for disbursement of files and clearing pendency while making sure disbursement of files in minimum possible time.
- Communicating with sales team to follow-up and ensure clearing of pendency in minimum possible time and communicating with Compliance team to follow-up and ensure disbursement of files in minimum possible time.
- Initiating E-NACH, Creating repayment schedule as per broken period interest, creating final disbursal memo, and maintaining as well as recoding data in Jaguar software.
- Communicating and informing customers about deductions in loan amount before disbursement.
- Handling channel business for multiple products, including MSME, Two-Wheeler, and LCV (Credit as well as Operations).
- Maintaining Trade advance books for business channel partners.
- Generating CIBIL and CIBIL analysis.
- Credit case recommendation, underwriting, CAM, Credit Note, and DM preparation for channel business files (TW - LCV).
- Credit analysis for channel business cases (MSME – TW – LCV).
- Calculating and preparing Cash slow, FOIR, DBR, and LTV for credit underwriting/case appraisal.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Carried out day-to-day duties accurately and efficiently.
- Trained new employees to carry out work effectively and efficiently.
- Participated in continuous improvement by generating suggestions, and engaging in problem-solving activities to support teamwork.
Proprietor
Mahalaxmi Auto - All 2 wheeler Sales & Service
Gandhinagar, Gujarat
08.2020 - 05.2022
- Mahalaxmi Auto – Two-wheeler Sales & Service, Management of sales, finance, logistics, personnel, and service for an all two-wheeler sales and service point in Gandhinagar, Santej.
- Handling 4 employees across all departments.
- Assessing service requirements as per vehicle condition and customer needs.
- Managing timely service completion with positive feedback.
- Developed and managed relationships with vendors and suppliers.
- Communicating with dealers and finance companies to build rapport.
- Conducting sales campaigns to drive revenue and ensure Business Development for both sales as well as service.
- Taking follow-up calls to retain customers.
- Responsible for collection of bounced EMIs for two finance companies simultaneously.
Business Development Associate
Byju's (Think & Learn Pvt. Ltd)
Bhavnagar, Gujarat
05.2019 - 01.2020
- Responsible for boosting company's brand awareness and sales through conversion of leads into prospects, scheduling meetings, field sales, and aggressive product pitching.
- Developed market throughout Gujarat, forming first line of loyal customers in places as far away as Bhavnagar, Porbandar, and Rajkot.
- Ensuring clients' needs are accurately met, using solution and consultative selling approach.
- Creating and implementing structured plan to meet predetermined goals.
- Conducting cold calling, ensuring that number of calls meets management's call targets.
- Scheduling and attending client meetings, making sure total number of meetings reaches goals established by management.
- Participating in sales campaigns to drive revenue and ensure Business Development.
- Business development using social media.
- Actively and effectively managing sales process, which includes following steps: presenting credentials; posing questions; handling CRM (Leadsquare); presenting solution; negotiating; closing sale; and turning sale over to accounts team.
- Creating customized promotional strategies, detailed costings including financial plans, and proposals for client negotiations.
Education
MBA - Banking & Finance
SVKM'S NMIMS
Distance Learning07.2024
Bachelors of Technology - Engineering, Automobile Engineering
Indus Institute of Technology
Ahmedabad05.2018
Higher Secondary Education - CBSE-Science
The New Tulip International School
Ahmedabad05.2014
Secondary School Certificate - CBSE
Amrita Vidyalayam
Ahmedabad05.2012
Skills
- MS Office - Experienced
- (Excel - Pivot & VLOOKUP)
- C - Skillful
- Computer proficiency - Expert
- Flexibility
- Leadership
- Time Management
- Verbal Communication
- Adaptability
Personal Information
· Date of Birth: 15th March, 1996
· Hobbies: Football, Music & Musical Instrument (Acoustic Guitar), Traveling, Cooking, Snooker, Current Affairs.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Operations Credit Executive
Namdev Finvest Pvt. Ltd
05.2022 - 11.2022
Proprietor
Mahalaxmi Auto - All 2 wheeler Sales & Service
08.2020 - 05.2022
Business Development Associate
Byju's (Think & Learn Pvt. Ltd)
05.2019 - 01.2020
MBA - Banking & Finance
SVKM'S NMIMS
Bachelors of Technology - Engineering, Automobile Engineering
Indus Institute of Technology
Higher Secondary Education - CBSE-Science
The New Tulip International School
Secondary School Certificate - CBSE
Amrita Vidyalayam
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