Rishabh Chawla

Unsecured Loans – Pl & BL (Trainer – Offline Partnership (DSA Vertical) Pan India)

• Offline Partnership (DSA Vertical) Pan India)
• Conducting both online & offline trainings Pan India for DSA Vertical – DSA centers & Inhouse sales team
• Location Visits and Channel Visits across country
• Conducting monthly townhalls for business team across India
• Active engagement in creation of training material and increased participant engagement by 35%
• Collaborating with product and strategy team for further optimization
• Designing and building an effective and easy to use knowledge base tool for offline channel partners
• Improving the business funnel by analyzing the challenges and by publishing the refresher training results
• Design, develop and deliver appropriate training solutions to help the DSA channel to succeed at their jobs
• Ability to work with and in cross-functional and virtual teams across locations
• Created a Step-Up Program to help over 40 to 50 employees in lower-level roles in enhancing their skills for their next roles
• Acting as a support function & coordinating with internal teams for possible solutions to the pain points and giving back the appropriate answers to DSA channels
• Inputs for designing and implementation of credit policy and programs, new initiatives, periodical changes in credit policy based on the inputs provided by sales team and market feedback.

Unsecured Loans – PL & BL (Area Credit Manager - North)

• Managing Credit and Risk functions for the North region
• Handling a team of Credit Processing Associates for underwriting PL deals as per credit policy
• Designed the SOP for Credit users
• Run different UATs for the smooth & better functioning of the process & software
• Analysis of Login trends, NIGO, FEMI and Bounce
• Maintaining the Portfolio Quality and Responsible for Delinquency Management
• CPV Vendor TAT management, Vendor visits, Vendor payments
• Ensuring adherence to credit policy and defined processes
• CAM quality and Fraud Risk Management
• Manage and monitor quality for own work
• Regular monitoring of fraud trends
• Ability to work with and in cross-functional and virtual teams across locations

Personal Loans - Unsecured Loans

• Underwriting of Personal loans (offer based and non-offer based)
• Sanctioning authority of L-1 and loan exposure can approve up-to 7.5Lacs
• Analyzing financial statements and credit history to better understand how much risk could be involved in extending credit to customers
• Managing all loan and credit requests and making approval decisions
• Handle responsibilities of calculating credit limits and setting credit limits as per the annual income of the applicant
• Calculating FOIR (Fixed Obligation to Income Ratio) and eligibility of the customer
• Publishing MIS (TAT Reports, Productivity Reports, Non Starters, Par Reports)
• Coordinating with Vendor Managers for CPV agency Outputs

• Maintaining accounting books of companies as well as individuals
• Preparing Balance Sheets and Profit & Loss Statements
• Passing of Entries in Tally
• Filing of GST Returns like GSTR 3B & GSTR1
• Making new registrations in GST
• Conducting Audits for different firms
• Worked on SAP Accounting Software in Indian Government Mint, Noida for 8 months
• (Passing FI entries in SAP, Passing
• Journal Entries, Bank Reconciliation, Accounts Receivables & Payables, Filling and Record Maintenance)
• Worked as a Concurrent Auditor in SBI BANK, Subroto Park for 1.5 years
• (Checking of Loan Documents, Checking of Vouchers
• Bank Operations (Cash Verification, Cross Verification of cheque book return, ATM Pin and ATM Card)
• Experience in Statutory Auditof Bank (State Bank of Patiala)
• Conducted Internal Audit of Centre for Cultural Resource Training (CCRT)
• Knowledge of Taxation-TDS Returns, IT returns, Sales Tax Returns & GST Returns
• AWARDS & RECOGNITION
• SPOT Award Dec’22 (Issuer – VP sales, Director Sales)
• CreatingExcellence Award in GARV Recognition Program Q4 2021 (Apr'21)- (Issuer- Chief Operating Officer)
• Personal Loan Disbursal in Feb'21 (Yalgaar Contest) (Issuer- Chief Operating Officer)