Sandeep Kakkar
Credit Administration & Appraisal, Documentation, Client Sourcing & Relationship Management And Team Management
Hisar
Summary
Seasoned and versatile professional with an incredible experience in Banking – Retail, Commercial & Corporate; with expertise in Credit Administration & Appraisal, Documentation, Client Sourcing & Relationship Management and Team Management. Expertise in client profiling, financial & credit analysis and a keen strategist in providing effective financial solutions & maintaining profitable business relationships. Excellent knowledge of various financial products (fund and non-fund based products) and well versed with the bank credit verification & approval process. Enriched with the latest trends & techniques in the field of banking, credit management & appraisal and skilled in critical thinking, problem analysis & resolution. Proven expertise in banking service operations, with excellent track record of driving business operations to profitability in turnaround and high growth situations. Demonstrated strengths in optimizing business development and management operations with track record of attaining predetermined targets. Focused and hardworking, self-motivated and team oriented; willing to go the extra mile, effective team leader with excellent communication and inter-personal skills.
Overview
1
1
Language
19
19
years of professional experience
Work History
ACOM-Senior Chief Manager
CHOLAMANDALAM INVESTMENT AND FINANCE CO. LTD
07.2023 - Current
- Credit Appraisal Underwriting of Unsecured Business Loan & Personal Loan files as analysing applicant's financial status and credit evaluations to determine feasibility of granting loans with preparation of Credit Approval Memo (CAM).
- Meeting with applicants (Personal Discussion) to obtain information for loan applications and analysing the financial situation of the client through business place visits.
- Pre and post sanction credit risk compliance.
- Handling the complete Credit & Backend process at branch level and train the resources regarding Credit, Operations and Sales documentation part.
- Active engagement with 3rd party vendors and tracking completion of all necessary verifications checks related to the loan application within the required turnaround.
- Ensuring maintenance of TAT for UBL proposals at an acceptable level.
- Managing overall credit and risk functions for the areas/locations assigned to him/her.
- To facilitate the business team, achieve monthly/annual business targets.
- To ensure adherence to the credit policy and defined processes.
- Coordination with the Operations team for disbursal, OTC and PDD process.
- To ensure audit compliance and regulatory compliance for his/her location/area.
- To take reference checks for prospective borrowers from market links and existing lenders.
- Coordinating for training programs for the credit/sales team.
- MIS management for his vertical.
BBG RM
HDFC BANK LIMITED
08.2022 - 11.2023
- Achieve overall business targets on volumes and profitability for BBG customers.
- To regularly interact with the branches for lead generation for BBG, updates on the leads in CRM, ensuring conversions and following complete lead conversion process.
- Market scoping and identifying the potential customers with wallet share for all BBG customers and product penetration and strategy for achievement under various initiatives jointly with branch banking team. Monthly review to be done with various product groups and supervisors who support the RMs portfolio (plan Vs achievement) and other cross function teams to ensure better product penetration.
- Performing credit appraisal of prospective SME/Mid-corporate clients for fund and non-fund based exposure - Working Capital, Overdraft, Term Loan, Bank Guarantee, LAP and Lease rental discounting etc., within defined guidelines including preparation of detailed notes and recommending them accordingly to the sanctioning authorities for approval
- Improvement on yield for the Bank so that the Portfolio has a strong Return on capital at RM portfolio level.
- Documentation pre-disbursement (Doc collection, legal & TSR, Valuation etc.) and post disbursement sign off from customers, including deferral closure
- CAM Preparation & query resolution
- Ensure high level of client satisfaction.
- Co-ordination with credit for CAM approval, deferral waiver / extension & Other customer requirements like Buyers credit, TODs
- Co-ordination with local Ops for disbursements, TOD limit setting, submission of Stock Statement.
- Portfolio review and remedial management which includes managing exits, line reductions, recovery and restructuring of exposures. Management of stress and critical accounts.
- Also ensuring completion of Housekeeping pendencies including CAM renewals, deferral closure, call memos, stock statements, insurance renewals, Plant visit, Site visit etc.
CBG Credit Analyst
AXIS BANK LIMITED
09.2021 - 07.2022
- Responsible for preparing and putting up various notes (appraisal, review, risk replies etc) to the appropriate authority.
- Responsible for maintaining credit quality of assigned area and maintaining TAT for Review of credit proposals
- Ensuring terms of wholesale Credit Policy/scheme specific terms are compiled Ensuring annual Reviews / Renewals on time.
- Responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products & solutions around forex, trade payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc.
- Timely resolution of Audit queries.
- Ensuring healthy portfolio through monitoring of accounts.
RIBG - Solution Manager
ICICI BANK LIMITED
06.2019 - 09.2021
- Acquire new SME clients for the bank.
- Perform various financing activities as per the customers’ requirement.
- Achieve targets for Fee, Net Interest Income and growth of book.
- Increase wallet share by cross selling products to the customers.
- Managing the entire gamut of activities involvesd in the loan process, which involve sourcing, processing, verifying and approval phase whilst engaged in client relationship development.
- Coordinating with multiple external agencies for valuation of properties, legal audit, local inputs/ reference checks/ CPV & due diligence on loan applications, to detect any risk factor involved and prevent any revenue losses.
SME Credit Analyst
AXIS BANK LIMITED
09.2014 - 05.2019
- Responsible for analyzing financial statements, preparation of CMA data, performing credit bureau checks of the clients to gauge their credit eligibility & worthiness whilst contributed towards decision making regarding acceptance of beneficial credit deals or rejection of sizeable loans where credit risk is significant.
- Strengthening existing bank relationships and enhancing the wallet share from the customers in the company’s portfolio by identifying cross sell revenue opportunities in the form of Insurance, Mutual Funds, CASA, etc.
- Preparing and maintaining MIS reports for stock & credit audits, unit visits, collateral visits and various control returns statements related to Head Office & Regional Office
- Providing assistance to Relationship Managers with respect to follow-ups, customer calls and documentation
- Ensure strict adherence to the bank credit policies & procedures, RBI regulatory guidelines and at the same time accomplishing the loan process within defined TAT to enhance customer service experience
Retail Banking
Axis Bank
09.2007 - 08.2014
- Managed various functions of retail banking products sales, cash management, banking operations, and financial transactions, including processing, clearing, and locker management.
- Involved in managing various functions of retail banking products sales, cash management, banking operations, financial transactions – processing & clearing, locker management, etc.
- Administered the entire branch operations, including banking financial transactions, cash management services, and new customer acquisitions for CASA, RD/FD, EDC Machine, mutual funds, SIP, and insurance.
- Proposed financial products to potential clients, generating leads and networking within the Hisar region.
Education
CAIIB Certification -
Indian Institute of Banking & Finance
01-2018
Certified Credit Management - undefined
NIBM, Pune
01-2018
JAIIB Certification - undefined
Indian Institute of Banking & Finance
01-2017
Master of Finance & Control (MFC) - undefined
Kurukshetra University
Kurukshetra01-2007
Bachelor of Commerce - undefined
Jat College
Hisar01-2004
Skills
Credit Management
Credit operations
Credit Appraisal
Financial & Credit Risk
Banking Operations
Retail Assets Operations
Business Development
Regulatory Compliance
Stakeholder Management
Leadership Acumen
Communication Skills
Client Relations
Timeline
ACOM-Senior Chief Manager
CHOLAMANDALAM INVESTMENT AND FINANCE CO. LTD
07.2023 - Current
BBG RM
HDFC BANK LIMITED
08.2022 - 11.2023
CBG Credit Analyst
AXIS BANK LIMITED
09.2021 - 07.2022
RIBG - Solution Manager
ICICI BANK LIMITED
06.2019 - 09.2021
SME Credit Analyst
AXIS BANK LIMITED
09.2014 - 05.2019
Retail Banking
Axis Bank
09.2007 - 08.2014
Bachelor of Commerce - undefined
Jat College
Master of Finance & Control (MFC) - undefined
Kurukshetra University
JAIIB Certification - undefined
Indian Institute of Banking & Finance
Certified Credit Management - undefined
NIBM, Pune
CAIIB Certification -
Indian Institute of Banking & Finance