Play Box Cricket
Rajiv Sablaniya
Deputy Manager
Delhi
Summary
OBJECTIVES
To Work in an organization that has highly dedicated and professional environment and to enhance my current skills with a bright career. A responsible and challenging position that will allow me to explore my abilities, skills and sense of dedication towards my duties with a sole aim of seeing that progress of the organization needs with the challenging global scenario.
Overview
5
5
years of professional experience
2
2
Languages
Work History
Deputy Manager
ICICI Home Finance Company
08.2024 - Current
- Product Vertical: Mortgage Loan (HL & LAP)
- Approving Authority of Loan amount Upto 50 lakhs.
- Personal Discussion with SENP,SEP, Salaried and NRI Clients of Lap and HL with 1.75 Cr PD authority.
- Processed and evaluation loan applications for retail and commercial clients ensuring timely approval and compliance with internal policies and regulatory standards.
- Conducted details credit assessment, reviewing financial documents and credit history to identify potential risks Assisted in the preparation of financial reports and loan portfolios providing insights to senior management for decision process, ensuring funds were released accurately and on schedule.
- Collaborated with the risk management team to assess the creditworthiness of applicants, contributing to improved loan portfolio quality.
- Managed and maintained client relationships, providing information on loan products and resolving queries related to loan processing and repayment.
- Managed a team and guided the implementation of startegies, resulting in a increase in productivity.
Credit manager (CM)
Bajaj Housing Finance Limited
05.2023 - 08.2024
- Product vertical: Mortgage Loan (HL & LAP)
- Processing and appraisal of loan proposals and recommended for sanction to sanctioning authorities.
- Personal Discussion with SENP, SEP & Salaried Customers of LAP & HL.
- Recommendation of Cases for Approval for SENP, SEP & Salaried Cases.
- Processing Cases (SEP - CA, MBBS Doctor, Dentist, BAMS & SELF Employed non - professional)
- Checking and analyzing CIBIL score of customers.
- Checking of all relevant documentation required for the purpose of LAP.
- Analyzing Banking, financial statements and other required documents. Preparation and Recommendation of cases.
- Ordering, reviewing and analyzing reports (credit reports and property evaluations) Compared items such as liquidity, profitability, credit history and cash, with other companies of same industry, size and geographic location.
- Credit Underwriting Performing Credit Appraisal of LAP Proposals as per the Credit Policy to analyze Credit worthiness & Risk assessment of Clients.
- Sanction of Authority Less than 100Lacs & team handling for Loans.
- Coordination with Sales, Credit, front end through mails for clarifications & exceptions. Loan processing - quality & Credit Check of the file received.
Credit Processing Associate
Kotak Mahindra Bank
06.2022 - 04.2023
- Product Vertical: Mortgage Loan (HL & LAP)
- Credit Underwriting Performing Credit Appraisal of HL & LAP
- Proposals as per the Credit Policy to analyze Credit worthiness & Risk assessment
- F Clients.
- Adherence
- F KYC norms and internal guidelines.
- Expertise i n finance & Credit analysis
- F Secured and Unsecured loans.
- Company Name Check & Company Profile Details Check.
- Customer Cibil & Company Commercial Cibil check for other loans.
- Debtors & Creditors Compare for Current Years & Last Years.
- Last Six Months Banking for Credit Ratio & Sum.
- Matching
- F Return files with Respected item.
- Personal Discussion with Customer.
- Ratio Analysis
- F Financial Statement.
Banker
HDB Financials Services Limited
04.2021 - 05.2022
- Product Vertical: Business Loan & Personal Loan
- Working as a Part
- F Personal Banker, Introduce
- R Pitch Business Loan & Personal loan to bank existing clients and new clients.
- Lead generation
- F cross sell banking Products.
- Conduct meeting with potential HDB Clients.
- Worked
- N Various Software- CRM, CIBIL UNION, FINONE
- Generate Business through Portfolio Management & Other Channel like CA, Broker.
- Managing Branch Portfolio & Existing Client.
- Selling of allied handle HNI & Privilege Client.
- Selling
- F Life Insurance & Health Insurance.
- Conceptualizes designs and implements sales, stargties that are in line with the bank business development plans.
Education
Diploma - Computer Application
Disha Computer Centre
New Delhi01-2017
Bachelor of Commerce - undefined
Shyam Lal College, DU
New Delhi01-2017
Senior & Secondary School - undefined
CBSE
Delhi01-2014
Skills
- Tally - 54, 72, 90
- MS - WORD
- MS - EXCEL
- MS - POWERPOINT
- Web Design
- WinNT/98/2000/XP
- Adobe Creative Suite (Photoshop, illustrator in Design) and Coreldraw
Interests
Volleyball
Travel
Watching Movies
Timeline
Deputy Manager
ICICI Home Finance Company
08.2024 - Current
Credit manager (CM)
Bajaj Housing Finance Limited
05.2023 - 08.2024
Credit Processing Associate
Kotak Mahindra Bank
06.2022 - 04.2023
Banker
HDB Financials Services Limited
04.2021 - 05.2022
Bachelor of Commerce - undefined
Shyam Lal College, DU
Senior & Secondary School - undefined
CBSE
Diploma - Computer Application
Disha Computer Centre