Hi, I’m
Sandeep TAK
Ajmer
Summary
Encouraging manager and analytical problem-solver with talents for team building, leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance.
Overview
13
years of professional experience
1
Certification
Work History
Choice Finserv Private Limited
AVP Strategic Alliances - Lead Credit
11.2023 - Current
Job overview
- Developed and maintained strong relationships with clients/partners, resulting in increased business opportunities.
- Maintained compliance with industry regulations by implementing risk mitigation measures and maintaining accurate documentation.
- Established policies and procedures that improved operational efficiency within organization.
- Data analysis utilizing statistical techniques and software tools to analyze credit data trends, identify patterns and make informed decision.
- Ensuring compliance with regulatory requirements, industry standards and company policies related to credit practices and customer protection laws.
- Collaborated with cross-functional teams to develop new products and services, leading to competitive advantage in market.
- Assisted in recruiting, hiring and training of team members.
- Promoted and led performance enhancement culture by actively coaching and mentoring direct reports.
Au Small Finance Bank
Portfolio Manager
04.2021 - 11.2023
Job overview
- Assess credit risk associated with new and existing borrowers or counterparties. This involves analyzing financial statements, credit reports, and other relevant information to determine likelihood of default.
- Develop and implement underwriting standards and policies to evaluate creditworthiness of borrowers. This includes determining appropriate loan structures, terms, and conditions.
- Review and approve credit proposals within delegated authority limits. For larger exposures, present recommendations to credit committees or senior management for approval.
- Continuously monitor credit quality of portfolio by tracking key performance indicators such as delinquency rates, default rates, and credit migration.
- Ensure compliance with applicable regulations and internal policies governing credit risk management. Stay updated on regulatory changes that may impact portfolio.
- Provide training and guidance to staff involved in credit risk management to ensure consistent understanding of credit policies and procedures.
HDB Financial Services
Hub Operations Manager
04.2018 - 04.2021
Job overview
- Conducted regular audits of inventory levels, identifying discrepancies and taking corrective action as needed.
- Improved communication between departments by implementing effective collaboration tools and practices.
- Developed strong relationships with vendors and suppliers, securing competitive pricing for materials and services.
- Collaborated with cross-functional teams for process improvements, leading to increased efficiency in hub operations.
DHFL Home Loans
Branch Credit Manager
01.2016 - 04.2018
Job overview
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Managed entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
HDB Financial Services
Branch Operations Executive
09.2014 - 12.2015
Job overview
- Manage end-to-end process of loan applications, including verification of applicant information, assessment of creditworthiness, documentation, and disbursal. Ensure compliance with internal policies and regulatory requirements.
- Address customer inquiries, resolve issues, and provide assistance throughout loan application and servicing process. Maintain high levels of customer satisfaction by delivering prompt and effective service.
Shriram Transport Finance Company
Credit Admin Executive
10.2011 - 08.2014
Education
MDSU AjmerAjmer
Bachelor of Arts from Political Science
06.2010
Skills
- Credit Analysis - secured and unsecured loan applications
- Risk Management
- Financial Modeling
- Communication Skills
- Decision Making
- Attention to Details
- Team Leadership
- Problem Solving Abilities
- Strategic Planning
- Continuous Learning
Accomplishments
- Collaborated with IT team in the development of Soft Approval App at CFPL (Jan'24).
- Supervised team of 18 staff members.
- Attended 2 days management development program at Amity University Jaipur (Sep'23).
- Awarded with Extraordinary performance for the year 2022-23 at AUSFB.
- Awarded with certification of appreciation - Overdrive Award at AUSFB (Q4 | 2021-22).
- Awarded with certification of participation for attending LAKSHYA training program at AUSFB (Sep'21).
- Awarded with Certification of Appreciation - 1st Rank in induction training at Shriram Transport Finance Co. Ltd (May'2012)
Certification
- Online certificate program on Credit Management from NIBM Pune under collaboration of NIBM and AUSFB (Dec'22).
- Certificate Course from CA Raja – Credit Underwriting.
- Certificate course from V Skill - Credit and Risk Manager.
- Certification Course in N+, MCSA and CCNA from IIHT Ajmer .
- RS-CFA [Tally 9], MS office and basic computer Course from PRS CompuTech (Tally Academy) Ajmer.
- Participate in NCC AIR SQD as Cadet and gain “A” certificate.
Languages
Hindi
Bilingual or Proficient (C2)
English
Upper intermediate (B2)
Timeline
AVP Strategic Alliances - Lead Credit
Choice Finserv Private Limited
11.2023 - Current
Portfolio Manager
Au Small Finance Bank
04.2021 - 11.2023
Hub Operations Manager
HDB Financial Services
04.2018 - 04.2021
Branch Credit Manager
DHFL Home Loans
01.2016 - 04.2018
Branch Operations Executive
HDB Financial Services
09.2014 - 12.2015
Credit Admin Executive
Shriram Transport Finance Company
10.2011 - 08.2014
MDSU Ajmer
Bachelor of Arts from Political Science
- Online certificate program on Credit Management from NIBM Pune under collaboration of NIBM and AUSFB (Dec'22).
- Certificate Course from CA Raja – Credit Underwriting.
- Certificate course from V Skill - Credit and Risk Manager.
- Certification Course in N+, MCSA and CCNA from IIHT Ajmer .
- RS-CFA [Tally 9], MS office and basic computer Course from PRS CompuTech (Tally Academy) Ajmer.
- Participate in NCC AIR SQD as Cadet and gain “A” certificate.
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