Exploring Practical Applications of legal Prinicple
Sandesh Gunjal
Underwriting Professional Aspiring Corporate Legal Specialist
Mumbai
Summary
Results-driven professional with over 15 years of experience in banking and underwriting, specializing in secured and unsecured products as a Zonal Credit Manager. Proven expertise in evaluating complex compliance regulations and mitigating risks to ensure operational excellence. Experienced in designing and implementing policies and procedures that adhere to industry best practices and align with regulatory requirements such as SEBI and RERA. Adept at interpreting and simplifying legal principles for practical applications, managing high-performing teams, and optimizing workflows with advanced tools like Power BI and Excel macros. Currently pursuing a full-time role in corporate legal or compliance that offers professional challenges and leverages interpersonal skills, effective time management, and problem-solving expertise.
Overview
18
18
years of professional experience
1
1
year of post-secondary education
3
3
Certifications
3
3
Languages
Work History
Zonal Credit Manager
ICICI Bank Ltd.
09.2023 - Current
- Handling team of 20 people including 7 are Credit Manager, 2 Regional Credit Manager and rest are operation team
- Having Rich experience and thorough knowledge of the Retail Mortgage Business
- Handling High-Value Transaction specifically in Mortgage Products (Risk Mitigated in more than 10Cr transactions with the risk team, More than 20 Cr to 50 Cr transactions present in COSM)
- Tracking of disbursement of all products.
- We are tracking delinquency cases in all products and conducting training to demonstrate our current position to the support team.
- Team handling and training to Channel Partner
- Compliance with Policies related to Mortgages as well as RBI for retail lending
- Financial Analysis, Portfolio Analysis
- Assisting in formulating new products and policies for retail lending
- Industry analysis, Real Estate Market Analysis.
- Handling of DMA and Branch channel
- Underwrite a loan by managing the credit application process
Regional Credit Manager- Retail Asset Loan
ICICI Bank Ltd.
04.2021 - Current
- Team handling and training to Channel Partner
- I got a standard rating for FYI 2022-23 and FY 2023-2024.
- Credit analysis of Retail Asset loans (Products includes Credit Card, Auto Loan, Personal Loan, Business Loan Home loans, Residential and Commercial LAP, Top Up loans, LRD, Balance transfer loans) with sanction limit of Rs.50 lakhs
- Compliance with Policies related to Mortgages as well as RBI for retail lending
- Financial Analysis, Portfolio Analysis
- Assisting in formulating new products and policies for retail lending
- Training and guiding the sales and distribution channel
- Industry analysis, Real Estate Market Analysis
- Disbursement of loans
- Tracking of PDDs.
- Handling of DMA and Branch channel
Branch Credit Manager
ICICI Bank Ltd.
08.2016 - Current
- Handling of DMA and Branch channel
- Underwrite a loan by managing the credit application process and disbursement of loans.
- Tracking of PDDs and calling on delinquency cases.
- Managing post-disbursement documents and partly disbursed cases
- Resolve customer issues and legal cases pertaining to sanctions and disbursement
- Training given on various mortgage products to DMA Channel partners and branch counselors, which helps them for increase business.
Privilege Banker and Back Up Trade Desk Officer
ICICI Bank Ltd.
05.2014 - Current
- Handling of mapped 250 wealth and privilege clients.
- Managed cross-selling of products like LI, GI, MF, FD, etc.
- Managed the trade, Client; oversaw the issuance of BG.
- Handled direct import, advance against import, and part payment of import bills, export docs, advance against export, and collection of docs.
- Played a pivotal role in bringing up the quality of branch operations concerning service and audit parameters.
- Gave a significant contribution in making the branch one of the Top Branches in the Region.
- Handled escalations and provided customer satisfaction outcomes.
Customer Service Officer
ICICI Bank Ltd.
09.2011 - Current
- Functioned as Cash Officer and managed cash deposits, withdrawals, demand drafts and pay orders in cash.
- Handled the FOREX and NRI desk and generated good revenue across PAN India.
- Managed general customer queries as Front Desk Officer
Team Leader
IDBI bank
01.2010 - 07.2011
- Handling corporate clients with enhancing business volumes & growth achieving revenue and profitability norms
- Generate the productivity accounts from sales team and achieve Current and saving accounts number target within compliance norms
- Monitoring the branch sales targets, conceptualizing & implementing competent strategies in coordination with the branch and the sales team with a view to penetrate new accounts and expand existing ones for a wide range of financial products & services.
- Sourcing of clients for the liability & assets retail banking products viz Savings, Current, DMAT & Online A/c, Credit cards, FD's, ME Machines
- Identifying the area & segment for the business
- Planning & conducting lead generation activities for new client base
- Imparting 'on field' training to the new recruits.
Sales Executive
AXIS bank
01.2007 - 04.2009
- Monitoring the branch sales targets, conceptualizing & implementing competent strategies in coordination with the branch and the sales team with a view to penetrate new accounts and expand existing ones for a wide range of financial products & services.
- Sourcing of clients for the liability & assets retail banking products viz Savings, Current, DMAT & Online A/c, Credit cards, FD's, ME Machines
- Identifying the area & segment for the business
- Planning & conducting lead generation activities for new client base
- Imparting 'on field' training to the new recruits.
Education
Executive Program in Securities And Business Law - Securities And Business Law
BSE Institute
Mumbai 06.2024 - 02.2025
LL.B - Legal
Mumbai University
Mumbai 04.2024 - 07.2024
Executive MBA - undefined
NMIMS
Post Graduate Diploma in Banking Operations - undefined
Institute of Finance Banking & Insurance
T.Y.B.com - undefined
M.D. College (Parel)
H.S.C - undefined
M.D. College (Parel)
S.S.C - undefined
Shivaji Vidyalay
Skills
Strong Communication Skills
undefinedAccomplishments
• Awarded as executing Best Customer Services in West zone in 2012.
• Accredited with the award of Service Star for best customer service in 2012 at Zonal level.
• Appreciated with Rewards & Recognition for Best Performer in FY 14- 15
• Award of Excellence for exemplary performance in Mortgages –in July & Aug’ 2017.
• Mortgages Best of West recognition for Mumbai and ROMG region in May’ 2017.
• Mortgage RETAIL SPRINTERS AWARDS SEASON 5 –FY ‘2017
• Mortgage Knights II award in April 2017.
• Award of Excellence for exemplary performance in Mortgages –Feb’ 2017 & Apr’ 2018.
• Imparted training and guidance to junior level staff.
Certification
Executive Program in Securities and Business Law,
Interests
Software
Well-versed with Microsoft Excel(advanced Level),Power BI and PowerPoint presentation
Well-versed with regulatory technology platforms used for tracking SEBI, RERA or other compliance norms can be relevant
Well versed with Bombay High Court Website, Supreme Court website and various others
Well-versed with sites for searching citations
Well-versed in handling Government sites (MCA 21, IGR, etc)
Hobbies
Simplifying Complex Legal Texts
- Breaking down lengthy legal statutes, contracts, or regulations into clear, concise, and actionable points.
- Using tools like Adobe Acrobat, OCR software, or AI-based text simplification tools to restructure dense legal texts.
- Applying legal principles (e.g., nemo dat quod non habet) in practical scenarios, making them easier for clients, stakeholders, or team members to understand.
- Streamlining workflows by converting complex PDF documents into editable, tabular formats for better analysis and compliance tracking.
Data Visualization and Analytics
- Leveraging tools like Power BI and Excel to create interactive dashboards that simplify financial and legal data.
- Analyzing trends in regulatory changes (e.g., SEBI norms) or real estate markets to support decision-making.
- Using data visualization to identify patterns or risks in underwriting or compliance
Timeline
Executive Program in Securities and Business Law,
02-2025
Civil Litigation Practice and Drafting
07-2024
Executive Program in Securities And Business Law - Securities And Business Law
BSE Institute
06.2024 - 02.2025
LL.B - Legal
Mumbai University
04.2024 - 07.2024
Zonal Credit Manager
ICICI Bank Ltd.
09.2023 - Current
Regional Credit Manager- Retail Asset Loan
ICICI Bank Ltd.
04.2021 - Current
Branch Credit Manager
ICICI Bank Ltd.
08.2016 - Current
Privilege Banker and Back Up Trade Desk Officer
ICICI Bank Ltd.
05.2014 - Current
Customer Service Officer
ICICI Bank Ltd.
09.2011 - Current
Post Graduate Diploma in Banking Operations, Institute of Finance Banking & Insurance
01-2010
Team Leader
IDBI bank
01.2010 - 07.2011
Sales Executive
AXIS bank
01.2007 - 04.2009
Executive MBA - undefined
NMIMS
Post Graduate Diploma in Banking Operations - undefined
Institute of Finance Banking & Insurance
T.Y.B.com - undefined
M.D. College (Parel)
H.S.C - undefined
M.D. College (Parel)
S.S.C - undefined
Shivaji Vidyalay
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