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 AppraisalCredit Risk AnalysisTime Management And Ability To Deliver Under DeadlinesEffective Team PlayerStrong Leadership SkillsExcellent Presentation And Communication Skills
Client Interfacing
Financial Analysis
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