ROHIT CHITALKAR

• Introduction of 'Dropline overdraft' product since Sept 2025 resulting into enhanced disbursement of 269 cr till March' 26
• Introduction of 'Loan against specialized property' 1st time in the bank based on customer requirement, market feedback & competition benchmarking which includes properties like Warehouse, Marriage hall, Hotels & Hostel etc
• Have streamline 'Overdraft accounts renewal process note' & steps to be followed along with customer communication which is require to be sent in terms of physical letter, email & SMS which will ensures process standaridization & timely communication to the customer regarding renewal terms and conditions
• Preparation of Business required documents(BRD) for system implementation and enhancement in FINNONE & FINACLE(e.g. Modification of the eligibility programme in terms of DBR & LTV, Interest certificate, Welcome letter, Penal charges on OD accounts non-renewal & non utilization as per approved SOC)
• Implemented daily ABB eligibility method in banking programme, ensuring better eligibility for customers.
• Brought the 'High Yield' sub program under 'Unnati' eligibility by relaxing the policy norms which will result in increase in overall Yield
• Facilitated training sessions on policy changes and developed comprehensive training notes and questionnaires for sales team under bank's certification programme.
• Monitoring of 'Dropline overdraft' accounts in terms of IC norms, Churning, renewal and utliization & conducting a call with stakeholder for improvement and recovery along with portfolio team
• Resolving the queries found in Finacle & Finnone application journey at the time of login, sanction and disbursement by liasing with IT team

Loan against property & Home loan:

• Done underwriting of Secured loan upto 3 cr as per policy norms
• Conducted regular training for the sales team on the product, programme, and process for the entire Maharashtra state.
• Assessing the credit worthiness based on different eligibility program & taking quick decision based on Tele PD for salaried & physical PD for SENP/SEP customers
• Reviewing all cases with higher authority(Credit seniors) each month for Credit Underwriting Recommendation, RCU Relook, Legal and Valuation purpose

Loan against property & Business Loan(Unsecured)

• Performed credit appraisal of small ticket size loans as per credit Policy.

• Decision making of loan upto 100 Lakh by performing tele-pd for salaried & physical visit for SENP case

• Preparation of Credit appraisal memo(CAM) and ratio Analysis.

• Deriving eligibility based on different schemes as per company policy.

• Analysing credit information, liquidity & profitability in order to determine risk involved in lending money.

• Preparation of estimated cost budget of different product on m-o-m basis

• Rigorously testing of new application of ‘KULIZA’ LOS(Loan origin system) for credit underwriting along with IT team

• Analysing customer profile, online search, Probe 42 & market feedback for fraud check

Loan against property & Home Loan

• Deriving eligibility based on different schemes as per policy norms by preparing the Credit appraisal memo(CAM)
• Verifying Cibil report, bank statement analysis & obligation mapping.
• Studying of income tax return of different entities, computing their income & measuring variance
• Done tele PD of retail clients & recommended small ticket size proposals for salaried segment upto 50 Lakh
• Understanding of valuation, search & legal reports of mortgage property
• Audit review & responding on inquiries & queries on a case to case basis