Rutuja Gaikar
Thane
Summary
Results-driven and experienced gold loan professional with 8+ years of experience in operational roles. Proven track record of achieving targets, developing business strategies, and leading teams. Skilled in risk management, credit appraisal, and customer relationship management. Possesses excellent communication and leadership skills, with a strong analytical mind.
Overview
11
11
years of professional experience
Work History
Gold Loan Officer
Axis bank
Mumbai
09.2021 - Current
- Servicing of gold loan and ensuring disbursal of loan within stipulated TAT
- Exceeded customer satisfaction by finding creative solutions to problems.
- Managed time effectively to ensure tasks were completed on schedule and deadlines were met.
- Risk categorisation with face-to-face interaction and transaction monitoring
- Verification of customer source of income and repayment capacity through CIBIL report and ITR document
- Credit appraisal of loans and sanctioning as per delegation power
- Data entry, closure, renewal, and account opening in system
- Assisting IAD/FUC/concurrent audit team and resolving audit queries
- Supporting collection team for auction
- Custodian of gold loan keys
- Governance and maintenance of records
Customer Relationship Officer
Muthoot Finance ltd
Mumbai
09.2013 - 09.2021
- Handled and monitored 70 branches in Navi Mumbai Region for gold loan and other financial products
- Maintained and increased new customer acquisition in the region
- Achieved targets and goals set for the region
- Developed business strategies and action plans for branches
- Mentored 12 branches in the region
- Recruited and trained female staff members
- Conducted quarterly auditing and visits of 70 branches
- Handled staff matters and solved CRM pending leads
Education
Bachelor of Arts - Economics
Ruia College
Matunga05-2013
Skills
- Self-starter with positive and optimistic attitude
- Team player with openness to learning new techniques
- Analytical mind with honesty and dedication
- Professional attitude towards work
- Charismatic, innovative, and energetic
Languages
Marathi, English, Hindi
First Language
Achievements
Won gold loan contest and received Malaysia and Singapore tour award
Timeline
Gold Loan Officer
Axis bank
09.2021 - Current
Customer Relationship Officer
Muthoot Finance ltd
09.2013 - 09.2021
Bachelor of Arts - Economics
Ruia College