Sumedh Pradip Kamble
Kalwa
Summary
Looking forward to be part of an esteemed organization where i can give my best for the success of organization and thereby enhance my skill as well.
Overview
6
6
years of professional experience
Work History
Assistant Manager
Kotak Mahindra Bank
Thane
02.2024 - Current
- Responsibility: Credit Manager role (Kotak Staff Housing Loan)
- As a credit manager, I do underwriting for Kotak staff home loans, where we sanction loans for Kotak employees based on policy.
- Verified all the KYC documents, income documents, FI report, and RCU report.
- Checking the applicant's CIBIL and obligating all the loans. Also checking overdue, DPD, and SMA.
- Making the CAM report based on the applicant's income and previous loan history.
- Doing PD with the applicant and confirming all the details.
- Responsibility: Credit Manager role (KSHL MIS)
- Publishing various MIS reports on a daily basis of Kotak staff home loans across Pan India to all the seniors.
- Stage-wise MIS: sanction, disbursed, with credit, with ops, reject, cancel.
- Zone-wise MIS, Phase-wise MIS,
- Disbursement MIS day-wise and month-wise.
- Responsibility: Credit Manager role (Credit Card)
- Verifying details with KYC documents and income documents, which are provided with the application.
- Analyzing credit capacity, eligibility of the customer, and finalizing the credit limit by considering the CIBIL score and fraud score.
- Countering and highlighting the fraudulent applications to the risk management team, to ensure the risk parameters are met.
- Effectively communicate with other departments involved in card processing to ensure the approval process is within TAT, taking a conference call with the sales and field force to increase the overall approval rate.
- Assist in developing new strategies to improve customer experience, and managing risk in processes.
Assistant Manager
Axis Bank ltd
Thane
08.2022 - 02.2024
- Responsibility: Credit Manager role (Credit Card).
- Retail customer credit underwriting and decision are given on the basis of the client profile.
- Approving or rejecting a loan application on the basis of creditworthiness and the customer's potential to pay the loan (by calculating the customer's income and obligations as per bank policy).
- Check the customer's financial documents, KYC, and other documents provided in the application.
- And if some document or customer profile seems doubtful, then ensure to send it back to the FCU for verification.
- Handle the location for giving updates on policy, and solve queries or doubts of the sales, FCU, and CPA teams.
- Processing cases as per defined policies and processes, with minimum defects, and increasing the efficiency of underwriting by reducing reworks.
- Follow up with other teams, like FI agencies for the FI report, the FCU team for FCU verification, and the Sales team for pending documents for pending cases, to reduce the credit TAT.
- Check that data entry quality is intact, and the error rate is minimal at all data entry fields.
- Coordinate with the CPA to ensure correct data entry.
- Monitor the approval rate, credit TAT, pending reasons for pending cases, and rejection reasons.
- Ensure achieving individual performance and daily targets.
Credit Executive
Axis Bank ltd
Thane
01.2019 - 08.2022
- Responsibility: MIS and FI Vendor.
- Publishing various MIS on a daily basis to senior management on the approval rate, the number of applications processed, inventory, and WIP of the applications sourced pan India.
- Maintaining a record of declined (rejected), and approved application data in the system.
- Coordinating with the FI Agency for the FI Report whenever the underwriter or system has initiated an FI-related query.
- We have around 11 FI agencies where we allocate FI cases for verification.
- Following up with the FI Agency for cases more than 2 days old, due to avoiding escalation in our overall processing TAT.
- Monthly billing data for FI vendors will be made, considering Tat-wise and over Tat cases, and we will apply penalties as per the vendors' provided agreement.
- Almost maintaining 91-96% quality, and ensuring the working methodology must curry service level agreements.
- Necessary feedback was taken from the policy team regarding TAT, and an update was provided to the FI vendor for maintaining FI TAT.
- Responsibility: DIP role.
- Check the KYC documentation and profile based on the policy.
- Decide the eligibility of the applicant for a credit card.
- Coordinate with Sales Managers and the Regional Sales Manager (only in the Mumbai region) regarding the incomplete documentation of applicants to improve the approval rate.
- Checking customer details in banking software (Finacle, Finnone, CAS).
- Responsibility: Credit card Approval.
- Receiving the number of cases from the processing team.
- Verify the received cases through the system, i.e.,
- Customer name, DOB, address, credit limit, account number, active or not, etc.
- After verification, if the case is proper, then approve it; if not, reject it.
- Preparing the MIS with observed remarks and sending it to the reporting manager.
- Best performance for multi-card approval activity for 2019-20.
Education
T. Y. B. Com -
Mumbai University
04.2018
H. S. C. -
Konkan Board
02.2015
S. S. C. -
Konkan Board
03.2013
Skills
- Passed MS-CIT
- Tally ERP90
Hobbies and Interests
- To Play Piano
- To Play Games
Disclaimer
All the information is mentioned above is true to best of my knowledge and I am solely responsible for authenticity of the same.
Personal Information
- Date of Birth: 02/12/97
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Mobilenumbers
- 9325897581
- 7588847679
Timeline
Assistant Manager
Kotak Mahindra Bank
02.2024 - Current
Assistant Manager
Axis Bank ltd
08.2022 - 02.2024
Credit Executive
Axis Bank ltd
01.2019 - 08.2022
T. Y. B. Com -
Mumbai University
H. S. C. -
Konkan Board
S. S. C. -
Konkan Board
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