Rupesh R. Dhekne
Pune
Summary
Dynamic and results-driven professional with over 19 years of extensive experience in home loans, mortgages, and SME business loan underwriting. Proven expertise in training, business development, and financial analysis, consistently delivering exceptional outcomes while embracing new challenges. A commitment to continuous learning and growth fuels a drive for excellence in every endeavor. Seeking a rewarding opportunity that aligns with extensive knowledge and a passion for the finance industry.
Overview
20
20
years of professional experience
3
3
Languages
Work History
Regional Credit Manager (Associate Vice President)
IIFL Finance Ltd.
09.2023 - Current
- Understood underwriting strategy and guidelines from central team and conveyed them clearly.
- Coordinated with sales, collection teams, and channels to grasp market nuances and best practices.
- Trained Credit Managers on underwriting strategy and guidelines.
- Reviewed team productivity, identifying gaps and planning actions.
- Evaluated and approved loan applications worth up to INR 75 Lakhs.
- Provided the Sales Team with insights and recommendations for strategic decision-making.
- SME Business loans, (Rest of Maharashtra, MP & CG)
State Credit Manager
Poonawalla Fincorp Ltd.
02.2022 - 09.2023
- Led team of 8 Credit Managers in Pune and Maharashtra region, enhancing company revenue through strategic initiatives.
- Conducted financial analysis and made decisions on loan proposals.
- Analyzed profitability ratios to determine credit worthiness and financial health.
- Steering debt management strategy collections, audits and process compliance.
- Streamlined processes by aligning efforts of multiple departments to enhance client satisfaction.
- Prepared reports and analyses on compliance and adverse trends.
- Delivering proper trainings to team members on credit & collections.
- Managed SME business loans for the Rest of Maharashtra.
Cluster Manager-Credit
NeoGrowth Credit Pvt. Ltd.
02.2022 - 12.2022
- Responsible for maintaining credit quality and TAT for Pune & ROM region.
- Planning and implementation of process from Credit underwriting till disbursement.
- Monitored cluster portfolio performance to align with expected benchmarks.
- Underwriting authority up to 30 L and Managing team of 4 credit managers & 6 credit officers.
- Conducted regular training sessions for credit managers and credit operations executives.
- SME Business loans, Secured BL (Rest of Maharashtra)
Area Manager-Credit (Grade - Sr. Manager)
Shriram City Union Finance Ltd. (Prime)
11.2019 - 02.2022
- Led team of Credit Officers, Operation Officers, and Branch Credit Managers handling secured and unsecured business loans.
- Assessed loan proposals in accordance with company credit policy.
- Evaluation of Financials, Legal & Technical before disbursement.
- Possessed comprehensive knowledge of operational, credit, and market risk dimensions. Demonstrated understanding of business models
- Providing Relevant Regular Inputs for Creation / Refinement of Credit Policy.
- Monitored and tracked portfolio health performance.
- Managed LAP, home loan, and SME business loan portfolios in Vidarbha region.
Area Manager-Credit
NeoGrowth Credit Pvt. Ltd.
06.2018 - 11.2019
- Evaluated high-value business loan cases with a focus on risk assessment.
- Analyzed financial statements of loan applications to determine eligibility.
- Conducted in-depth discussions with eligible loan applicants to comprehend their business models.
- Prepared Credit Approval Memos for eligible cases within defined turnaround time.
- Supervised team of Credit Managers, Credit Officers, and BPOs to ensure operational efficiency.
- Streamlined coordination with stakeholders to achieve efficient and timely disbursement execution.
- Conducted regular assessments of customer-approved facility operations.
- Interacted with customers to address repayment issues.
- SME Business loans (Pune, Surat & Mumbai)
Branch Head-Credit & Operation
Cent Bank Home Finance Ltd. (A Subsidiary of Central Bank of India)
09.2014 - 06.2018
- Directed team of 8 employees to meet sales, administrative, operational, credit, and audit objectives.
- Achieved branch targets on asset and liability products to enhance profitability.
- Streamlined daily branch operations to enhance efficiency.
- Evaluation of financials, Legal & Technical before disbursement.
- Ensured compliance with banking rules, regulations, and procedures.
- Conducted underwriting and credit rationing by assessing risks and mitigants during funding.
- Oversaw charge-off portfolio, ensuring adherence to performance metrics.
- Managing Field Recovery & monitoring to attain desired performance.
- Home Loan & Loan against Property
Officer-Credit
Deewan Housing Finance Corporation Ltd.
07.2012 - 08.2014
- Underwriting of HNI & retail cases for Home loan, Plot Loan, Home Equity & Commercial property loan proposals.
- Analysis of customer eligibility as per income, repayment tracks as well as Property valuation & legal clearance.
- Conducting risk analysis and scrutinizing relevant documents before sanctioning/disbursing loans, ensuring compliances with credit policies.
- Evaluation of financials, Legal and Technical before disbursement.
- Managing & controlling delinquency for vital portfolio.
- Audit compliance on all aspects stipulated by Head office, and regulatory compliance in the location.
- Home Loan & Loan Against Property (Vidarbha)
Credit Analyst
TATA Capital Housing Finance Ltd.
01.2011 - 06.2012
- Underwrote home loans and mortgages for HNI cases, ensuring thorough risk analysis.
- Built retail asset mortgage portfolio valued at 1 billion for Nagpur and Raipur within 1 year.
- Conducted scrutiny of all proposals before final recommendation for appraisal.
- Conducted regular training sessions for team members on policy and process changes.
- Conducted personal discussion with client with vindicated notions.
- Scrutiny of Internal & External report with prudent.
- Vigorously managed underwriting proposals for home loans and home equity cases in Nagpur and Raipur locations.
- Consummate PDD (Post Disbursal Docs) within stipulated juncture.
- Home Loan & Loan against Property
Officer-Operation
Magma Fincorp. Ltd.
06.2010 - 01.2011
- Skilled in drafting Credit Approval Memos.
- Collaborated with Sales & Credit teams to enhance system functionality.
- Resolved customer inquiries to streamline sanction and disbursement file processing.
- Preparing, Maintaining & Analysis of various MIS on regular basis.
- Ensuring maintenance of TAT for Commercial Vehicle & SME loan proposals.
- Monitored and maintained compliance with head office and local regulations.
- Oversaw monthly vendor performance evaluations to enhance efficiency.
- Credit screening of proposals & ensuring adherence to company norms.
- Commercial Vehicle loan (Vidarbha)
Customer Support Officer-Credit & Operation
ING Vysya Bank Ltd.
01.2006 - 06.2010
- Assessed mortgage loans following established underwriting criteria.
- Maintained TAT for housing loan proposals at acceptable levels.
- Educated branch staff and DSAs about marketing strategies.
- Streamlined proposal process & collaboration between regional Credit Managers and Regional Sales Manager.
- Coordinating with various agencies like DSA, lawyers & valuers for smooth movement.
- Evaluation of credibility of borrower and Preparing Credit Approval Memo (CAM).
- Scrutinizing the necessary documentations fro home loan proposals.
- Visiting the Client for (PD) Personal Discussion.
- Home Loan & Loan Against Property
Education
B.Com. - undefined
Dhanwate National College
NagpurM.B.A. - Marketing & Finance
C. P. & Berar College
NagpurPGDM - Finance
R. P. Institute of Communication & Management
MumbaiCertification - Fundamental of Credit & Reading Financial Statement
Corporate Finance Institute
Skills
Proficient in Microsoft Word, Microsoft excel, PowerPoint and Internet explorer
Awards
Awarded as Best Home Loan Team for pristine rendition in sanction & Disbursement in span of just ten months for vital portfolio with zero delinquency.
Areas of Expertise
- Underwriting
- Credit Analysis
- Customer Relationship Management
- Strategic Planning
- Consultative Sales
- Revenue Expansion
- Market Penetration
- Operations Management
- Team Building
- Managerial Leadership
- Recovery & Collection Management
Timeline
Regional Credit Manager (Associate Vice President)
IIFL Finance Ltd.
09.2023 - Current
State Credit Manager
Poonawalla Fincorp Ltd.
02.2022 - 09.2023
Cluster Manager-Credit
NeoGrowth Credit Pvt. Ltd.
02.2022 - 12.2022
Area Manager-Credit (Grade - Sr. Manager)
Shriram City Union Finance Ltd. (Prime)
11.2019 - 02.2022
Area Manager-Credit
NeoGrowth Credit Pvt. Ltd.
06.2018 - 11.2019
Branch Head-Credit & Operation
Cent Bank Home Finance Ltd. (A Subsidiary of Central Bank of India)
09.2014 - 06.2018
Officer-Credit
Deewan Housing Finance Corporation Ltd.
07.2012 - 08.2014
Credit Analyst
TATA Capital Housing Finance Ltd.
01.2011 - 06.2012
Officer-Operation
Magma Fincorp. Ltd.
06.2010 - 01.2011
Customer Support Officer-Credit & Operation
ING Vysya Bank Ltd.
01.2006 - 06.2010
B.Com. - undefined
Dhanwate National College
M.B.A. - Marketing & Finance
C. P. & Berar College
PGDM - Finance
R. P. Institute of Communication & Management
Certification - Fundamental of Credit & Reading Financial Statement
Corporate Finance Institute
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