RAJA PAUL
Bilaspur
Summary
Professional Synopsis A dynamic professional with over 17 years of experience in Financial Industry in, Credit Assessment & Operations. JOB PROFILE A) CLIENT RELATIONSHIP MANAGEMENT: Establish healthy business relations with client and external associates for securing repeat business and long term customer loyalty and working towards solving their queries and complaints efficiently B)CREDIT ADMINISTRATION : Appraising credit/legal technical proposals scrutinizing relevant documents before sanctioning disbursing the credit ensuring compliance with organizational credit Policies. Performing the functions of assessing credit worthiness of client. C) HIRE PURCHASE: Maintaining Hire Purchase & Secured Loan Accounts. Looking after advancing of Hire Purchase & Secured Loan in Bilaspur Division Finalization and settlement of Hire Purchase & Secured Loan Contract. D) MIS: Preparation of MIS Reports Based on Deposit, Hire Purchase & Lease Collection, Advances on new Contracts etc. F) INSURANCE: Looking after Truck Insurance Pack- Up with The New India Assurance Co. Ltd & Bajaj Allianz Gen. Ins Co.Ltd.And Shriram Life Insurance Co.ltd, is a joint venture of the Shriram Group with SANLAM of South Africa. G) DISBURSEMENT: Taking Authority for funding to RO (Nagpur) for all types of Product (Vehicles, Credit Cards, Personal Loan & Tyres Loan) and baring Divisional Label authority. Sanctioning loan and settlement. Grid checking Sanctioning finance.
Overview
17
17
years of professional experience
Work History
Deputy Manager
MAHINDRA & MAHINDRA FINANCIAL SERVICES LTD
02.2019 - Current
- Formulated Daily MIS for higher management presenting location wise sourcing , pending files for sectioning and disbursed files
- Checking the files before Disbursement
- Handling PDDS
- Handling complete spectrum of activity from login to Disbursement .Issuing the Delivery orders
- Looking the Credit approvals
- Scrutinized the proposal for Vehicle loan
- Verification for RC, Invoice and Repossess vehicles
- Expense Management: Employee request and vendor paying including redressal of GST queries
- Exception Monitoring (Worksheet pending for approval, Intitate closure matured contracts with nil OD
- Noc Acknowledgement, Credit balance in SOA
- Establishing standards and delivery of service
- Sale of non-deposit products
- Cross selling targets progressively
- Verification of fixed assets , repossessed assets ,PDC,SPDC and contract files
- Customer request resolution on customer portal
- Branch administration
- Regulatory compliance
- Manage productivity, morale of branch personnel.
Credit Operations Manager
MANAPPURAM FINANCE LTD
05.2018 - 01.2019
- Responsible for visiting competition in his catchment and sharing market information and feedback with other team members
- Responsible for appraising and approving the loan applications and maintain the quality of portfolio
- Responsible for the application process from login to disbursement Managing quality of portfolio, post disbursement documents and partly disbursed cases
- Co-ordinate with legal, technical and Risk teams for processing the file / docket
- Responsible for TAT of delivering sanction letter and disbursement
- Cibil generation and resolving OD outstanding queries if any
- Preparation of MIS, Resolving customer issues and legal cases pertaining to sanction and Disbursement process
- Following up for query resolution / Working on ED cases ,Following up for PDD updating.
08.2015 - 05.2018
Credit Officer
EQUITAS FINANCE LTD
08.2015 - 01.2018
- Handling Business of Commercial Vehicle Of Bilaspur, Location
- Process the Credit Applications as per the approved policy.involves assessing the repayment capacity of the customer
- Looking after credit approvals, underwriting Portfolio Management
- Processing the file through online system APS (Applicant Processing System)
- Exposure in managing Credit & Collection with key focus on top line profitability by ensuring optimal utilization of resources
- Scrutinised the proposal for Vehicle Loan & Construction Equipment Loans
- Done PD in field
- Conducting credit policy training at regular intervals
- Visiting branches & customers at regular intervals
- Maintained the TAT to deliver timely services and developed competencies in market
- Regular Visit @ Dealer Points
- Issuing Delivery Orders.
Commercial Officer
Axon Constructions (P) Ltd, Powergen
01.2011 - 05.2015
- R.K.M, Pvt)] Ltd for 4X360 Thermal power projects, Uchpinda at
- Kharsia (CG) as a, Choosing the suppliers that the company will deal with and maintaining the legal interaction with them
- Liaison with other departments, particularly the accounting, manufacturing and stock departments
- Take requirement from department in defined formats
- Prepare & release tenders to the vendor pool
- Prepare cost comparatives & cost analysis
- Make major value orders for various sundry items
- Maintain, control and manage inventory
- Source and develop new vendors
- Reduce material cost and increase savings
- Control purchasing department budgets
- Plan and manage inventory levels of materials or products
- Analyze market and delivery systems in order to assess present and future material availability
- Reconciliation of Bank statements on daily basis.
Executive
Shri Ram Transport Finance Co.Ltd Bilaspur, Shri Ram Group of Companies
01.2007 - 05.2009
- (Operations & Sales and support of Loan, Credit Cards, Insurance & Deposit
Education
B.COM -
GURU GHASIDAS UNIVERSITY
2001
EM B A From - Commerce
NATIONAL INSTITUTE OF BUSINESS MANAGEMENT, NIIT
DCA (Diploma - Computer Application, Banking
Additional Information
- Date:, Place: RAJA PAUL
Languages
English
Upper intermediate (B2)
Timeline
Deputy Manager
MAHINDRA & MAHINDRA FINANCIAL SERVICES LTD
02.2019 - Current
Credit Operations Manager
MANAPPURAM FINANCE LTD
05.2018 - 01.2019
Credit Officer
EQUITAS FINANCE LTD
08.2015 - 01.2018
08.2015 - 05.2018
Commercial Officer
Axon Constructions (P) Ltd, Powergen
01.2011 - 05.2015
Executive
Shri Ram Transport Finance Co.Ltd Bilaspur, Shri Ram Group of Companies
01.2007 - 05.2009
B.COM -
GURU GHASIDAS UNIVERSITY
EM B A From - Commerce
NATIONAL INSTITUTE OF BUSINESS MANAGEMENT, NIIT
DCA (Diploma - Computer Application, Banking
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