Surabhi Chaturvedi
Banker
Gwalior,Madhya Pradesh
Summary
Accelerate career path by enhancing skills, enriching learning in a challenging and competitive working environment. To keep adding value to myself and simultaneously contribute to the growth and success of the organization. Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths. Hardworking and passionate job seeker with strong organizational skills eager to secure Credit Manager position. Ready to help team achieve company goals.
Overview
6
6
years of professional experience
6
6
years of post-secondary education
Work History
Credit Officer- Senior Executive MBL
AU SMALL FINANCE BANK
12.2021 - 3 2024
- Used Rapid software to perform credit appraisals, document verification and loan approvals.
- Facilitated timely decision-making on loan applications through clear communication with internal stakeholders and prompt resolution of any queries or discrepancies.
- Prepared reports of findings and recommendations.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Prepared MIS reports on MS-Excel for day to day Growth For senior of entire cluster .
- Collaborated closely with underwriting teams to ensure seamless process from application submission to loan disbursement for clients.
- Kept records of customers' charges and payments.
- Managed account data and verified information with clients, past creditors and other involved parties.
- Negotiated favorable terms with clients for both secured and unsecured lending products, resulting in mutually beneficial agreements.
- Increased customer satisfaction scores by promptly addressing concerns and resolving issues related to credit products.
- Improved cross-functional collaboration, working closely with sales and operations teams to meet business objectives.
- Streamlined loan approval processes with development of standardized credit policies and procedures.
- Organized and finalized loan applications for underwriter review.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Advised executive leadership on changes in economic conditions that could impact overall credit risk, enabling proactive adjustments to lending strategy.
Administrative Executive
SARA PLAST PVT LTD (3S INDIA)
09.2016 - 12.2016
- Organized company events and conferences, resulting in increased employee engagement and networking opportunities.
- Developed customized presentations for executive meetings, highlighting key performance indicators and accomplishments.
- Streamlined office procedures by implementing efficient systems and tools, resulting in improved workflow.
- Oversaw inventory management, maintaining optimal supply levels while minimizing waste and unnecessary expenses.
- Implemented document management system that streamlined filing processes and facilitated easy retrieval of information.
- Negotiated contracts with vendors to secure favorable terms and pricing for goods and services procured by company.
- Coordinated travel arrangements for executives, ensuring seamless itineraries and reducing expenses.
- Managed special projects as assigned; delivered results within established deadlines while meeting objectives.
Credit Processing Associate
AADHAR FINANCE LTD.
05.2014 - 08.2015
- Ensured accurate data entry for all processed applications while maintaining strict adherence to deadlines.
- Enhanced customer satisfaction with prompt resolution of inquiries and effective communication skills.
- Improved credit processing efficiency by streamlining workflow and implementing new organizational systems.
- Provided support to sales teams by promptly addressing credit-related concerns, fostering strong cross-functional relationships.
- Managed confidential client information with discretion, adhering to strict privacy guidelines and maintaining high level of trust within organization.
- Promoted positive team environment by actively participating in departmental meetings, sharing ideas, and offering support to colleagues when needed.
- Collaborated with team members for efficient workload distribution, ensuring timely completion of tasks.
- Developed strong relationships with key stakeholders such as underwriters, loan officers, and other relevant departments to ensure smooth collaboration throughout entire loan process.
- Reduced errors in credit applications through thorough review and attention to detail
Gold Appraiser and Cashier
INDIA INFOLINE FINANCE LTD.
10.2011 - 11.2013
- Provided comprehensive reporting on each appraisal, clearly communicating results to clients in easily understood format.
- Negotiated favorable pricing agreements with suppliers for testing equipment and supplies, reducing company overhead costs without sacrificing quality.
- Improved accuracy of appraisals with consistent calibration of equipment and rigorous quality checks.
- Collaborated with fellow appraisers to ensure consistent evaluation methods across team.
- Developed strong relationships with local jewelry retailers, driving new business opportunities and partnerships.
- Enhanced customer satisfaction by providing accurate and efficient gold appraisal services.
- Educated clients on factors affecting gold value, increasing their understanding and trust in appraisal process.
- Expanded client base through exceptional customer service, timely follow-ups, and referrals from satisfied clients.
- Ensured compliance with all regulatory requirements, maintaining record of zero audit findings or penalties.
- Conducted regular inventory audits to maintain control over valuable assets and prevent theft or loss.
- Maintained detailed transaction records to assist with day-to-day inventory management and provide insights on customer value and trends.
- Conducted material testing on gold items to determine items' gold content and veracity.
- Maintained awareness of current per-ounce prices of gold and precious metals.
- Weighed gold items to obtain total pricing offered for sale from customer.
- Negotiated with customers to arrive at mutually agreeable price.
- Played key role in establishing company''s brand as trusted source for reliable gold appraisals
Team Leader
Idea Cellular
01.2011 - 10.2011
- Mentored junior staff members, helping them develop their leadership potential and advance in their careers.
- Streamlined workflows for increased efficiency, reducing turnaround times for critical tasks.
- Led cross-functional teams to execute projects on time, within budget, and with high-quality outcomes.
- Optimized resource allocation to maximize overall team output while minimizing costs.
Education
MBA - All Subjects
IMTCDL Ghaziabad
Ghaziabad 01.2024 - Current
Bachelor of Computer Applications - Computer Applications
PRESTIGE COLLEGE AFFILATED TO JIWAJI UNIVERSITY GWALIOR
GWALIOR, M.P. 01.2007 - 08.2010
TWELTH (SCIENCE) - PCM
MISS HILL SCHOOL
GWALIOR, M.P. 04.2006 - 06.2007
MATRICULATION - All Subjects
MISS HILL SCHOOL
GWALIOR, M.P. 04.2004 - 06.2005
Skills
Credit analysis
Timeline
MBA - All Subjects
IMTCDL Ghaziabad
01.2024 - Current
Credit Officer- Senior Executive MBL
AU SMALL FINANCE BANK
12.2021 - 3 2024
Administrative Executive
SARA PLAST PVT LTD (3S INDIA)
09.2016 - 12.2016
Credit Processing Associate
AADHAR FINANCE LTD.
05.2014 - 08.2015
Gold Appraiser and Cashier
INDIA INFOLINE FINANCE LTD.
10.2011 - 11.2013
Team Leader
Idea Cellular
01.2011 - 10.2011
Bachelor of Computer Applications - Computer Applications
PRESTIGE COLLEGE AFFILATED TO JIWAJI UNIVERSITY GWALIOR
01.2007 - 08.2010
TWELTH (SCIENCE) - PCM
MISS HILL SCHOOL
04.2006 - 06.2007
MATRICULATION - All Subjects
MISS HILL SCHOOL
04.2004 - 06.2005
Personal Information
- Father's Name: Sr. Avnindra Kumar Chaturvedi
- Mother's Name: Smt. Sushma Chaturvedi
- Husband's Name: Mr. Subodh Tiwari
- Date of Birth: 12/12/1989
- Gender: Female
- Nationality: Indian
Personal Qualifications
- MATRICULATION, MISS HILL SCHOOL, GWALIOR, M.P., 03/2005
- TWELTH (SCIENCE), MISS HILL SCHOOL, GWALIOR, M.P., 03/2007
- BCA, PRESTIGE COLLEGE AFFILATED TO JIWAJI UNIVERSITY GWALIOR, GWALIOR, M.P., 2010
Correspondence Address
107, Akriti The Nest, infront of Akriti office, Salaian, Bhopal, M.P., 462046
Extracurricular Activities
Active participation in Inter College functions held in college Participated in Bizz - Quiz held in Prestige Institute Won many prizes for organizing & performing at Prestige Institute Organized many events in BCA program
Permanent Address
E - 22 Balwant nagar, Gandhi road, Gwalior, M.P., 474011
Disclaimer
I hereby declare that the above information furnished is true to the best of my knowledge and belief.
Personal Information
- Father's Name: Sr. Avnindra Kumar Chaturvedi
- Mother's Name: Smt. Sushma Chaturvedi
- Husband's Name: Mr. Subodh Tiwari
- Date of Birth: 12/12/1989
- Gender: Female
- Nationality: Indian
Permanent Address
E-22 Balwant Nagar Thatipur Gandhi Road City Center Gwalior 474001 (M.P)
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