Rani Dagadu Bhowal
Chembur
Summary
I am looking ahead to work in a professional, growth-oriented organization, where in one can make significant contribution to the success of the organization. Seeking a position that involves creativity, challenges and that provides me, an opportunity to constantly strive to explore, innovate & excel in attaining organizational and my individual goals. A consistently dependable team player, I can thrive in a high-pressure environment, enjoy the challenges of meeting deadlines and work in a team.
Overview
4
4
years of professional experience
Work History
Credit Manager for Digital Personal Loan
HDFC Bank
04.2024 - Current
- Evaluated and determine risk of extending credit to prospects.
- Ensuring loan application from client KYC and other document for particular loan product is complete and as per credit policy before sanction and within TAT.
- Closely monitoring the client civil, Merge Report and client loan portfolio.
- Analysis bank statement conducting other important due diligence checks to arrive at the loan eligibility.
- Checking client eligibility for the loan and credit worthiness by looking at the other loans and payment.
Credit Manager for Personal Loan
Muthoot Finance Company
07.2023 - 02.2024
- Personal Loan Product.
- Evaluated and determine risk of extending credit to prospects.
- Credit underwriting of digital salaried personal loans, dealing in ticket size cases of 1 to 25 lac.
- Conduct telephonic discussing with customer to establish credit worthiness.
- Ensuring loan application from client KYC and other document for particular loan product is complete and as per credit policy before sanction and within TAT.
- Analysis bank statement conducting other important due diligence checks to arrive at the loan eligibility.
- Closely monitoring the client cabal and client loan portfolio.
- Manage credit quality and control delinquencies.
- Reevaluating the information provided by potential borrowers, such as their financial liabilities, credit history, employment, and income, to determine the risks of extending credit to them.
- Evaluating credit proposals covering financial, business & industrial risk.
- Assess credit opportunities; identify key risks, and structures alternatives working with relationship managers and credit officers.
- Knowledge of LOS, LMS, CIBIL.
- Following the whole procedure from Login to Disbursement.
Internship
Aditya Birla Sun Life
05.2022 - 06.2022
- Project Title: A study on insurance services of Aditya Birla Sun Life Company.
Education
MBA - Finance
Sir M Visvesvaraya Institute of Management Studies And Research
01-2023
B.COM - Financial markets
N.G Acharya and D.K Marathe College of Science and Commerce
01-2021
H.S.C -
Chembur English High School &Junior College
01-2018
S.S.C -
Sadhana Vidyalaya
01-2016
Skills
- Analytical skills
- Interpersonal skills
- Communication skills
- Listening skills
- Dedication
- Sincerity
Accomplishments
• Member Of Organizing Committee For multi-disciplinary international conference 'prathi sandhi' sustainable organization in technological
Personal Information
Date of Birth: 15/Oct/2000
Hobbies and Interests
- Reading
- Solving logical puzzles
- Exploring new technologies
- Continuous skill development
- Listening Music
- Cooking
Disclaimer
I hereby declare that the information provided is true and correct to the best of my knowledge.
References
Available on request
Languages
- English
- Hindi
- Marathi
(Speak,Read,Write)
Extra Qualifications
- Completed successfully MS Office – Basic Computer Course (MS Word, MS Excel, MS Power Point, Internet)
- Full knowledge of MS-CIT
- Advance Tally prime
- NSE Academy Certification in Financial Markets (NCFM)
- Business Analytics by Zoho
Timeline
Credit Manager for Digital Personal Loan
HDFC Bank
04.2024 - Current
Credit Manager for Personal Loan
Muthoot Finance Company
07.2023 - 02.2024
Internship
Aditya Birla Sun Life
05.2022 - 06.2022
MBA - Finance
Sir M Visvesvaraya Institute of Management Studies And Research
B.COM - Financial markets
N.G Acharya and D.K Marathe College of Science and Commerce
H.S.C -
Chembur English High School &Junior College
S.S.C -
Sadhana Vidyalaya