Puneet Darak
Jodhpur
Summary
A seasoned underwriter having hands on experience of more than 5 years in credit working with leading banks and NBFCs of India. Handled various products like HL, affordable HL and LAP. Thorough knowledge about market practices as well as policy awareness of various banks and NBFCs. Worked in multiple states and have good awareness about different collateral and technical and legal terms related to them. I am also handling team of 5 off-roll employees in my current role.
Overview
10
10
years of professional experience
Work History
Credit Manager
Axis Bank
08.2022 - Current
- Underwriting of HL and LAP cases based on company policies, processes and merits of the case.
- Doing physical PD at client place in high value cases.
- Manage external agents involved in the verification process like FI vendors, legal and technical vendor.
- Approving legal and technical for cases basis reports of vendor.
- Team handling of CPA engaged in login and disbursement process.
- Acting as second-man and assuming responsibilities of ACM in her absence.
- Docket checking for disbursement of HL and LAP cases.
- Conducting training sessions for credit team and sales team for smooth functioning.
Assistant Manager
HDFC
04.2021 - 08.2022
- Handling various sourcing channels and achieving monthly targets set for branch.
- Underwriting self-employed cases of branch and recommending them to credit team in hub.
- Manage external agents involved in the verification process.
- Handling operations parts including disbursement and customer dealing.
Credit Manager
ICICI Bank
12.2020 - 04.2021
Credit Manager
IIFL HOME FINANCE
11.2019 - 11.2020
Article Assistant
RAVI DAVE & ASSOCIATES
05.2017 - 12.2018
- Working experience of 17 months as Article Assistant and have worked in various areas like finalization of accounts and preparation of Balance Sheet, Profit & Loss Statement and Cash Flow Statement. conducting statutory audit and tax audits.
Article Assistant
JHAWAR MANTRI & ASSOCIATES
10.2015 - 05.2017
- Working experience of 19 months as Article Assistant and have worked in various domains like Income Tax and Company Law advisory, statutory and tax audits, valuation and cost analysis assignments and much more.
Education
Chartered Accountant - Finance
ICAI
05-2019
Bachelor of Commerce - Commerce
H.R. College of Commerce & Economics
05-2017
H.S.C - undefined
Saint Paul’s Pali
01.2014
S.S.C - undefined
Saint Paul’s Pali
01.2012
Skills
- MS Office
- Credit underwriting
- Risk assessment
- Evaluation of collateral
- Team handling
- Vendor management
- TAT adherence
Languages
English
Hindi
Personal Information
- Father's Name: Radheshyam Darak
- Date of Birth: 05/12/96
- Languages known: English and Hindi
Interests
An athletic personality with high interest in sports as well as possess keen interest in stock markets doing research about various companies and businesses
Timeline
Credit Manager
Axis Bank
08.2022 - Current
Assistant Manager
HDFC
04.2021 - 08.2022
Credit Manager
ICICI Bank
12.2020 - 04.2021
Credit Manager
IIFL HOME FINANCE
11.2019 - 11.2020
Article Assistant
RAVI DAVE & ASSOCIATES
05.2017 - 12.2018
Article Assistant
JHAWAR MANTRI & ASSOCIATES
10.2015 - 05.2017
H.S.C - undefined
Saint Paul’s Pali
S.S.C - undefined
Saint Paul’s Pali
Chartered Accountant - Finance
ICAI
Bachelor of Commerce - Commerce
H.R. College of Commerce & Economics
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