RABNESH CHAUHAN
Muzaffarnagar
Summary
Talented Portfolio Manager bringing Number+ years of experience in making proactive fund proposals. Skillful managing exposure, maintaining client satisfaction and capitalizing on emerging opportunities.
Overview
10
10
years of professional experience
4
4
years of post-secondary education
2
2
Certifications
2
2
Languages
Work History
Area Credit Manager
L And T Finance LTD
Meerut , UP
12.2023 - Current
- Credit underwriting of SENP/SEP AND SALARIED Cases, Conduct PD with customer and colleteral visit and observe customer intention,loan repayment capability and sources of income.
- Established strong communication channels between various departments involved in the credit management process, fostering better collaboration and efficiency.
- Collaborated with sales teams to ensure alignment of credit policies and sales strategies.
- Managed a high-performing team of credit professionals, fostering a culture of continuous improvement and providing guidance on career development opportunities.
- Improved credit approval rates by implementing a comprehensive risk assessment process.
- Contributed to company growth by developing innovative strategies for attracting new clients within target industries.
Territory Portfolio Manager
ICICI HOME FINANCE
Meerut
01.2022 - 12.2023
- Credit underwriting of HL & LAP loans - SENP and Salaried
- Conduct qualitative and quantitative analysis to determine the credit worthiness of existing and prospective clients
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Gold loan Appraisal.
- Handling Credit team of 5 person 3 CPA and 2 BCM.
Cluster Credit Manager
Hinduja Housing Finance Ltd
Delhi
04.2021 - 12.2021
- Credit underwriting of Home Loan and LAP Loan Application, Drafting Loan Eligibility of Applicant as company norms: Check Loan to Income norms to be Meet
- KYC norms to be Meet
- Banking norms to meet
- Cibil norms to be meet
- All LAP & HL norms to be meet
- All legal & Technical Norms to be Meet
- Conduct PD with Applicant to understand his business/profession or Employment
- Home Loan Credit Underwriter Of Salaried & Self Employed
- HL/LAP Cases.
Credit Officer
HDFC LTD
Delhi
04.2018 - 03.2021
- Credit underwriting of Home Loan and LAP Loan Application, Drafting Loan Eligibility of Applicant as company norms: Check Loan to Income norms to be Meet
- KYC norms to be Meet
- Banking norms to meet
- Cibil norms to be meet
- All LAP & HL norms to be meet
- All legal & Technical Norms to be Meet
- Conduct PD with Applicant to understand his business/profession or Employment
- Home Loan Credit Underwriter Of Salaried & Self Employed
- HL/LAP Cases.
Home Loan Credit Underwriter Of Salaried & Self Employed
IMGC PVT. LTD
GURGAON
08.2017 - 04.2018
- Co-ordinate with legal, technical, FI and Risk Containment Unit agency for processing the file / docket
- Responsible for TAT of delivering sanction letter and disbursement
- Responsible to manage the big ticket size home loan cases from INR 50 lacs to 4 crores with all type of salaried and self employed (SENP) profiles
- For big ticked size cases, what we have to do
- Structured the case on the basis of our policies and presentation given to the higher authority or board of director for getting the approval of the particular case
- To provide sound, independent (unsolicited) credit advice, recommendations and quality feedback on home loan as well as other credit proposals
- To interact with approving authority and provide them with the required information for better decision making and engaging in regular discussions to give them an independent view of the credit / economic developments.
Sr. Auditor
M/S Jyotsana & Associates
Meerut
08.2014 - 07.2017
Education
M.COM - undefined
MEERUT COLLEGE MEERUT CCSU MEERUT
10.2014 - 05.2015
CA INTER - undefined
ICAI, DELHI
B.Com - undefined
ASPG College Mawana CCU Meerut, Meerut
02.2012 - 05.2014
12th - undefined
DPM Public School, Mawana
12.2007 - 05.2008
10th - undefined
DPM Public School, Mawana
04.2005 - 05.2006
Skills
Credit Appraisalundefined
Certification
Information Technology Training Course Certificate, 10/2009
Personal Information
- Date of Birth: 06/12/91
- Gender: Male
Timeline
Area Credit Manager
L And T Finance LTD
12.2023 - Current
Territory Portfolio Manager
ICICI HOME FINANCE
01.2022 - 12.2023
Cluster Credit Manager
Hinduja Housing Finance Ltd
04.2021 - 12.2021
Credit Officer
HDFC LTD
04.2018 - 03.2021
Home Loan Credit Underwriter Of Salaried & Self Employed
IMGC PVT. LTD
08.2017 - 04.2018
M.COM - undefined
MEERUT COLLEGE MEERUT CCSU MEERUT
10.2014 - 05.2015
Sr. Auditor
M/S Jyotsana & Associates
08.2014 - 07.2017
B.Com - undefined
ASPG College Mawana CCU Meerut, Meerut
02.2012 - 05.2014
12th - undefined
DPM Public School, Mawana
12.2007 - 05.2008
10th - undefined
DPM Public School, Mawana
04.2005 - 05.2006
CA INTER - undefined
ICAI, DELHI
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