RAJMONI KUMARI
Deputy Unit Manager
Pune
Summary
Highly dedicated finance professional with over 5+ years of experience, showcasing a proven track record of achieving company objective through consistent and methodical practices. Possesses exceptional skills in thriving under pressure and swiftly adapting to dynamic environments and challenges to elevate the organizational brand.
Overview
7
7
years of professional experience
5
5
years of post-secondary education
Work History
DEPUTY UNIT MANAGER
Bajaj Finance Limited
Pune
01.2025 - Current
- Proven experience in credit risk analysis and decision-making
- Capability to develop and implement credit policies and procedures.
- Proficiency with credit management software and financial analysis tools.
- Strong understanding of financial regulations and compliance as it pertains to credit and lending.
Deputy Manager
BAJAJ FINSEV DIRECT LIMITED
Pune
11.2022 - 01.2025
- Awarded the super achiever award for detecting fraud, resulting in company cost savings
- Adept at cross-functional collaboration and process optimization to drive business success
- Consistently Maintained an average productivity of 593 with 100% business achievement
- Reduced FEMI to 1.07%, aligning with organizational goals
- Underwrote Salaried PL up to 35 lacs with 18lacs CAD authority
- Trained and mentored new team member in team
Senior Credit Underwriter
EARLYSALARY(FIBE)
Pune
04.2022 - 11.2022
- Assessing the creditworthiness of prospective customers
- Oversaw underwriting of Pocket PL and processed 250+ cases per day
- Conducted audits and document verification to prevent fraud
- Engaged in cross-functional collaboration with other departments
- Recognized with Rising star award for outstanding performance
Branch Credit Manager
IDFC FIRST BANK
Jaipur
07.2018 - 02.2021
- Managed departmental reporting, documentation and record-keeping
- Handled end-to-end customer loan proposals, from origination to closure and administration
- Conducted on-site investigations and assessments of customer creditworthiness and risk factors, encompassing business and property visits within 35 Km radius
- Negotiated settlements and payment terms with customers, provide tailored payment plans
- Managed vendor, legal and property paperwork efficiently
- Oversaw MBL underwriting for secured and unsecured lending with CAD authority of Rs.10 lacs
Education
ACCA - ACCA
ACCA
ACCA INSTITITE 12.2024 - Current
M.COM -
IGNOU
New Delhi 01.2019 - 01.2021
B.COM(HONS) -
JDMC, University of Delhi
New Delhi 07.2015 - 07.2018
Skills
MS Office
Experienced with Finnone and SFDC financial software
Risk Management
Portfolio Management
Underwriting
Documentation review
Policy implementation
Assignment delegation
Decision-making
Adaptability and flexibility
Team collaboration
Problem identification
Awards
- Performer of The Month -Bajaj Finance
- Super Achiever Award - Bajaj Markets
- Rising Star - Early Salary
Accomplishments
- Awarded with 'Education Scholarship Scheme' from Army personnel having been placed in 'All India Merit' in 2013, 2015-2018
Timeline
DEPUTY UNIT MANAGER
Bajaj Finance Limited
01.2025 - Current
ACCA - ACCA
ACCA
12.2024 - Current
Deputy Manager
BAJAJ FINSEV DIRECT LIMITED
11.2022 - 01.2025
Senior Credit Underwriter
EARLYSALARY(FIBE)
04.2022 - 11.2022
M.COM -
IGNOU
01.2019 - 01.2021
Branch Credit Manager
IDFC FIRST BANK
07.2018 - 02.2021
B.COM(HONS) -
JDMC, University of Delhi
07.2015 - 07.2018