ROHAN RAJESH JADHAV
Chembur
Summary
Eager to advance in career, excited about opportunity to join dynamic organization, utilize strengths to make meaningful impact, and continue to grow professionally and personally.
Overview
16
16
years of professional experience
3
3
Languages
Work History
Assistant Vice President (AVP)
Unity Small Finance Bank Limited
02.2022 - Current
- Direct reporting to Credit Head
- Handling Secured Business Loans (SBL) with Ticket Size upto 10 Lacs
- Own Sourcing: Maharashtra, Gujarat, Rajasthan
- BC Tie-up: Maharashtra, Gujarat, Rajasthan, Andhra Pradesh and Telangana
- Sanctioning rights upto Rs. 10 Lacs for SBL cases
- Also handling Individual Loans (Unsecured), Solar Finance and Group Loans (JLG).
- Currently handling team of 14 Credit Managers
- Ensuring delivery of best possible TAT with qualitative decisioning
- Worked upon Credit SOP to build a robust credit guideline
- Providing valuable inputs on Credit parameters forming part of a Product Note
- Articulating Product's Process Flow and Wireframe design (majorly Credit portion)
- Preparation of an extensive Credit Policy, Addendums, Deviation Matrices, etc.
- Conducting periodic review of system rule engine, Deviation scenarios, etc.
- Revisiting Credit norms and Deviation Matrix regularly
- Suggesting tweaking of credit norms or deviation hierarchy based on Portfolio performance
- Formulating Product specific Internal Scorecards (system generated)
- Supervising regular Hindsighting activities and publishing results to stakeholders
- Facilitating Onboarding of BC Partners, Service Vendors to be empaneled with bank
- Imparting qualitative training to Credit Team Members of BC Partners
- Ensuring timely launch of Products as per defined timelines
- Designing Standard Formats for Vendor Reports, MIS's, etc.
- Forecast of Credit Team strength. Evaluating Budget Estimation for futuristic hirings
Team Leader (CPU)
Aadhar Housing Finance Limited
09.2018 - 02.2022
- Handled Bank Salaried segment cases sourced-in for HL and LAP Products from States of Madhya Pradesh, Uttar Pradesh (incl. Delhi and NCR Region), Rest of Maharashtra (covering all branches excl. Mumbai City), Chhattisgarh, Orissa and West Bengal.
- Sanctioning rights upto Rs. 25 Lacs for HL and Rs. 15 Lacs for LAP
- Mailing Case Appraisals to Seniors basis Loan Amount proposed
- Handled Team of 13 BCM's (Credit Underwriters) and 2 First Sanctioners
- 2nd Level reporting to Credit Head while Direct reporting to CPU Head
- Conducting regular Training Sessions with in-house Credit (CPU Unit) as well as Regional Business and Credit team members to update them about latest AHFL Products & Policy/ies introduction or addendum/s.
- Analyzing causes of branch delinquencies and suggesting measures to reduce it
Credit Manager
Dhanvarsha Finvest Limited
05.2017 - 08.2018
- Handled LAP and Imperfect Collateral cases
- Direct reporting to Credit Head
- Conducting PD of both Salaried and Self Employed customers
- Calculating and scrutinizing necessary Ratios essential for decisioning
- Ensuring clearance of Legal and Technical reports prior to disbursement
Branch Credit Manager (BCM)
HDB Financial Services Ltd.
09.2015 - 05.2017
- Handled LAP, BL, PL, GL, AL, EBL and Imperfect Collateral cases
- Sanctioning Authority upto Rs. 3 Lacs (PL), Rs. 5 Lacs (PLI) and Rs. 50 Lacs (LAP)
- 2nd Level reporting to ZCM while Direct reporting to ACM
- Conducting PD of both Salaried and Self Employed customers
- Finalization of CAM covering all critical case aspects
CPA
Federal Bank
08.2013 - 09.2015
- Processing of Auto Loan (4 Wheeler) applications which comprises of:
- Examining and verifying the details of customer's records and calculating Eligibility
- Scrutinizing of prospective customers through CAM preparation
- Appraising the case for Final Approval to Sanctioning authority
- Processing of SME Loan applications for Term Loans and Cash Credit limits upto Rs. 50 Lacs which comprises of:
- Mapping of Financials in the prescribed format of the bank in an Excel Sheet
- Deciding upon the Schemes under which particular CC Limit is to be facilitated
- Calculating and scrutinizing necessary Ratios essential for Sanctioning
- Appraising the case for Final Approval to Sanctioning authority
Credit Officer
Indiabulls Home Loans
09.2012 - 03.2013
- Having a Tele-discussion with customers and analyzing the Loan Amount to be Sanctioned
- Examining and verifying the details of customer's records and calculating Eligibility
- Appraising the case for Final Approval to Sanctioning authority
- Generating Sanction Letters from system and forwarding the file for disbursement
CPA Team Leader
Federal Bank
03.2011 - 02.2012
- Handled Home Loan product. Led a team of 5 CPA's
- Examining and verifying details of customer's records and calculating Loan Eligibility
- Appraising the case for Final Approval to Sanctioning authority
- Ensuring timely payment of various vendors empaneled with the bank
CPA
HDFC Bank
04.2009 - 11.2010
- Handled LAP Product. Preparation of CAM of High Net-worth Individual (HNI) customers
- Examining and verifying details of customer's records and calculating Loan Eligibility
- Appraising the case for Final Approval to Sanctioning authority
- Preparing and maintaining MIS for the feedback to the management for improvement
Education
Commerce Graduate -
Mumbai University
Skills
- Strong interpersonal abilities
- Adaptable to new concepts
- Goal-oriented task execution
Accomplishments
- Consistently Rated '5' in latest 3 Year's Performance Appraisal Cycles
- Promoted to AVP role from Senior Manager in 1 year of joining the bank
- Winner of Best Team Leader for the year 2019-20
- Winner of Overseas Trip held as part of Contest for JFM 2019
Interests
Sports
Reading
Listening to music
Timeline
Assistant Vice President (AVP)
Unity Small Finance Bank Limited
02.2022 - Current
Team Leader (CPU)
Aadhar Housing Finance Limited
09.2018 - 02.2022
Credit Manager
Dhanvarsha Finvest Limited
05.2017 - 08.2018
Branch Credit Manager (BCM)
HDB Financial Services Ltd.
09.2015 - 05.2017
CPA
Federal Bank
08.2013 - 09.2015
Credit Officer
Indiabulls Home Loans
09.2012 - 03.2013
CPA Team Leader
Federal Bank
03.2011 - 02.2012
CPA
HDFC Bank
04.2009 - 11.2010
Commerce Graduate -
Mumbai University
Similar Profiles
SHANKAR KUMARSHANKAR KUMAR
Brand Manager at BHARAT FINANCE INCLUSION LIMITEDBrand Manager at BHARAT FINANCE INCLUSION LIMITED
Prashant S. WalvekarPrashant S. Walvekar
Team Manager, Account Opening, Maintenance & UCIC at Unity Small Finance Bank Ltd.Team Manager, Account Opening, Maintenance & UCIC at Unity Small Finance Bank Ltd.
Shefali DadarwalShefali Dadarwal
Senior Manager – Digital Banking at Unity Small Finance BankSenior Manager – Digital Banking at Unity Small Finance Bank
Tanu Sai UppalaTanu Sai Uppala
Analyst at Deutsche BankAnalyst at Deutsche Bank
Vaibhav PandeVaibhav Pande
Deputy Manager at ICICI BANK LTDDeputy Manager at ICICI BANK LTD