Sonali Pandey
THANE
Summary
Astute Credit Manager, driven to minimize risk, while capitalizing on opportunities to accomplish bank objectives in sales, customer growth, and bottom line profitability.
Overview
9
9
years of professional experience
Work History
Assistant Credit Manager
Satin Finserve Limited
THANE
07.2023 - 09.2024
- Business Loan Process (Secured) Upto 5 Lac
- PD & VC Call with Customer for Business and Residence Verification.
- Checking Cibil of Customer.
- Preparing CAM For taking approval for Customer Loan requirement as per Norms & Categoriesof Customer as per Company's Policy and Grid.
- Online verification of KYC.
- System Entry of Approved cases and Submitting the same from Underwriting Stage to Loan Sanction Stage.
- Handling cases of Business profile only.
- Preparing Sanction Letter, Disbursal Memo (DM).
- Preparing Monthly MIS.
RISK MIS EXECUTIVE
RBSG CAPITAL PVT. LTD.
THANE
10.2021 - 04.2023
- Collating data and maintaining MIS of all branches.
- Preparing Power point presentation.
- Maintaining MIS for PDD, NACH and PDC’s
- Working as Co-Ordinator for Colending Cases with TATA Capital Finance Service LTD.
- Handling overall queries related to TCFSL co-lending of all the branches of Maharashtra and Gujarat.
- Any other work scheduled by COO/Reporting manager.
CREDIT & RISK EXECUTIVE
WESTERN INDIA TRANSPORT FINANCE COMPANY PRIVATE LIMITED
VASHI, NAVI MUMBAI
04.2019 - 05.2021
- Initiating CIBIL Report of Applicant, Co-applicant and guarantor for loan.
- Field Investigation, along with the salesperson of the applicant, co-applicant, and guarantor. Doing Verification for Applicant, Co-applicant and Guarantor's house.
- • Online Verification & checking KYC document & RTO document of Customer for loan requirement (Like RC, Insurance, Fitness, Tax, Permit etc). Follow up with customers regarding necessary information required for approval of the loan proposal.
- Preparing CAM For taking approval for Customer Loan requirement as per Norms & Categories of Customer as per Company's Policy and Grid.
- Entry of Loan Proposal & various updating of loan record into the system.
- After approval of Credit Head, preparing Customer Disbursement file. After arrangement of all the document as per company Policy Checklist, handing over the same to Operation department for further Process.
- Handling Customers' queries related to the loan payment & settlement & giving proper solution to their queries
- Handling ED Cases (also doing visit if required) and stock cases below 6 months of disbursement.
- Maintaining PDD files and register. Calling Customers and Sales Person for Pending PDD's.
- Any other work schedule by Credit Department.
- Maintaining Sales MIS regarding Approvals and Disbursals.
BACK OFFICE & OPERATION EXECUTIVE
KOGTA FINANCIAL (INDIA) LTD.
VASHI, NAVI MUMBAI
10.2017 - 04.2019
- Preparing CAM For taking approval for Customer Loan requirement as per Norms & Categories of Customer as per Companies Grid.
- Verification & checking KYC document & RTO document of Customer for loan requirement (Like RC,Insurance, Fitness etc)
- Verification of credit & operation document.
- Entry of Loan Proposal & various updating of loan record into the system (KFIN).
- Maintaining PDD Register, Cash Hold Register, Dispatched Register, Valuation Register, Seizing Register, Visitor Register & Cheque Handover Register, Petty cash Register etc.
- Collection of installment in Cash & Cheque from Customer & Generating of Cash & Cheques pay in Slip in system.
- Preparing Customer Disbursement file & sending to H.O. After arrangement of all the document as per company Policy Check list.
- Handling Customers' queries related to the loan payment & settlement & giving proper solution to their queries.
- Maintaining Sales MIS.
Back Office Executive
IKF FINANCE LIMITED
THANE
03.2016 - 10.2017
- Analyzing the loan proposals.
- Preparing CAM of customers in specific Excel format.
- Entry of Loan Proposal & various updating of loan record into the system (Omnifin)
- Collection of installment in Cash & Cheque from Customer & pass entry in system (Omnifin).
- Follow up with customers regarding necessary information required for approval of the loan proposal.
- Solving queries of Credit & Operation related to approvals & bookings.
- Coordinating with Credit Officer for resolution of queries related to the case approvals.
- Preparing Customer Disbursement file & sending to H.O. After arrangement of all the document as per company Policy Checklist.
- Maintaining post disbursal documents.
- Maintaining MIS.
Education
Masters Program in Business Administration - Finance & Marketing
XAVIERS INSTITUE OF BUSINESS MANAGEMENT STUDIES
01-2022
B.Com -
R.A.D.A.V COLLEGE, (MUMBAI UNIVERSITY)
Bhandup East01-2015
H.S.C. -
I.D.U.B.S JUNIOR COLLEGE
BHANDUP WEST01-2012
S.S.C. -
R.A.U.B.S English High Schoool
Bhandup West01-2010
Skills
- Ambitious
- Positive Attitude And Result Oriented
- Attentive And Logical Approach
Computer skills and competences
- Office-2003 & 07 (Ms-Word, Excel, Power Point)
- Accounting software: Tally 9ERP
- Advance Excel
Personal Information
- Date of Birth: 09/21/94
- Gender: Female
- Nationality: Indian
- Marital Status: Married
Languages
- Marathi
- Hindi
- English
Hobbies and Interests
Listening Music
Timeline
Assistant Credit Manager
Satin Finserve Limited
07.2023 - 09.2024
RISK MIS EXECUTIVE
RBSG CAPITAL PVT. LTD.
10.2021 - 04.2023
CREDIT & RISK EXECUTIVE
WESTERN INDIA TRANSPORT FINANCE COMPANY PRIVATE LIMITED
04.2019 - 05.2021
BACK OFFICE & OPERATION EXECUTIVE
KOGTA FINANCIAL (INDIA) LTD.
10.2017 - 04.2019
Back Office Executive
IKF FINANCE LIMITED
03.2016 - 10.2017
Masters Program in Business Administration - Finance & Marketing
XAVIERS INSTITUE OF BUSINESS MANAGEMENT STUDIES
B.Com -
R.A.D.A.V COLLEGE, (MUMBAI UNIVERSITY)
H.S.C. -
I.D.U.B.S JUNIOR COLLEGE
S.S.C. -
R.A.U.B.S English High Schoool
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