Ronit Narula

Dynamic credit professional with extensive experience at Kotak Mahindra Prime Ltd, excelling in credit policy development and portfolio management. Proven track record in optimizing processes and mentoring teams, resulting in enhanced operational efficiency. Skilled in data analysis and compliance management, driving significant improvements in loan underwriting and risk assessment.

• Ability to understand economic/industry cycles
• Good communication skills
• Analytical Mindset

Boulevard Mall, Mall Road, Ludhiana, Punjab, 141001

• Hindi
• English
• Punjabi

• Kotak Mahindra Prime Ltd, Zonal Credit Manager, 12/03/15, Present, Appraising proposals for Auto, Refinance, Used car, Personal/Business loans, conducting risk analysis, scrutinizing relevant documents before sanctioning loans within defined TAT, and ensuring compliance as per credit policies., Managing portfolio quality levels by keeping 30+ and 90+ delinquent cases in control., Infant monitoring, handling cases of pre loss, Working on 90 dpd moving and 180 dpd moving cases., Fulfilling the credit training needs of entire business team on continued and timely business., Handling portfolio of 80-85 crores per month. Average monthly disbursals of 700-750 files., Coordination with business, collections and operations team at all locations., Ensuring minimum Audit errors., Managing FI, Doc verification Vendors, Valuators, Timely payments to vendors, Dealer brokerage, DSA payouts., Ensuring Tat, costing and other benchmarks are met., 13, 25, Punjab, Chandigarh, Rajasthan, Haryana, Himachal, Ludhiana, Part of VLOS launch team- New Loan originating system was launched in 02/23. Have been part since 2022 starting from basic requirement to implementation process., Handling Products for New car, Used car, refinance. Proposing and implementing changes as per market requirement based on portfolio performance., Developing Logics for products in VLOS to bring automation in login to sanction process.
• Tata Capital Ltd, Credit Manager, 04/27/15, 12/02/15, Handled work as a Credit Manager with Tata Capital Financial services ltd from April 2015 and taking care of Business and Doctor Loan for Punjab region., Maintained portfolio of 3-3.50 crores per month and processed about 30-35 files per month., Handled Ludhiana Hub and Jalandhar hub and about 12+ DSA for Ludhiana and Jalandhar., Managed CPV, PD, FI Vendors., Self-scrutinizing of all sets of pre disbursal documents so as to ensure errors are on lower side., Regular meetings with channels and conducting training to increase business., Handling Audit related activities.
• HDFC Bank Ltd, Credit Manager, 04/08/13, 04/24/15, Handled Auto Loan & Personal Loan of the Amritsar And Pathankot Hub., Daily activities of CPA at Amritsar and CPV agency., Maintaining TAT as per the standards fixed by the Bank for the files., Handling the issues relating to DSA Pay-outs and RC collections., Managing various credit operations including appraising proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning loans., Managing the Credit Processing Executives so that stipulated turnaround time margins are adhered to., Maintaining portfolio quality and low delinquency level for the entire area., Handling audit related work.

• Father's Name: Late Shri Tilak Raj
• Date of Birth: 01/13/90
• Gender: Male
• Nationality: Indian
• Marital Status: Married