Summary
Overview
Work History
Education
Skills
Work Preference
Timeline
Generic
Surabhi Chaturvedi

Surabhi Chaturvedi

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

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.
  • Improved accuracy of appraisals with consistent calibration of equipment and rigorous quality checks.
  • Collaborated with fellow appraisers to ensure consistent evaluation methods across team.
  • 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.
  • 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

Bachelor of Computer Applications - Computer Applications

PRESTIGE COLLEGE AFFILATED TO JIWAJI UNIVERSITY GWALIOR

TWELTH (SCIENCE) - PCM

MISS HILL SCHOOL

MATRICULATION - All Subjects

MISS HILL SCHOOL

Skills

  • Credit Assessments
  • Document Evaluation
  • Loan Recommendations
  • Customer Acquisition
  • Documentation Management
  • Request Approval
  • Application Preparation
  • Documentation Preparation
  • Background Review
  • Reference Verification
  • Credit Application Processing
  • Account Assessment
  • Address Confirmation
  • Fraud Knowledge

Work Preference

Work Type

Full Time

Location Preference

On-SiteRemote

Important To Me

Company CultureWork-life balanceCareer advancementPaid sick leaveHealthcare benefits401k matchPaid time offFlexible work hoursWork from home optionPersonal development programs

Timeline

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

MBA - All Subjects

IMTCDL Ghaziabad

Bachelor of Computer Applications - Computer Applications

PRESTIGE COLLEGE AFFILATED TO JIWAJI UNIVERSITY GWALIOR

TWELTH (SCIENCE) - PCM

MISS HILL SCHOOL

MATRICULATION - All Subjects

MISS HILL SCHOOL

Similar Profiles

  • Aravind Kumar Vutukuri

    Aravind Kumar VutukuriAravind Kumar Vutukuri

    Business Analyst at AU Small Finance Bank (Erstwhile Fincare Small Finance Bank)Business Analyst at AU Small Finance Bank (Erstwhile Fincare Small Finance Bank)

  • Pooja Bhatti

    Pooja BhattiPooja Bhatti

    Finance Operations Manager at Fincare small finance bank(Now AU small finance bank)Finance Operations Manager at Fincare small finance bank(Now AU small finance bank)

  • Vinod Das Swami

    Vinod Das SwamiVinod Das Swami

    Finance & Accounts Manager-CSR at AU Foundation (A CSR Arm of AU Small Finance Bank Ltd.)Finance & Accounts Manager-CSR at AU Foundation (A CSR Arm of AU Small Finance Bank Ltd.)

  • Neeraj Medatwal

    Neeraj MedatwalNeeraj Medatwal

    Assistant Manager at Au Small Finance BankAssistant Manager at Au Small Finance Bank

  • Surabhi Chaturvedi

    Surabhi ChaturvediSurabhi Chaturvedi

    Credit Officer- Senior Executive MBL at AU SMALL FINANCE BANKCredit Officer- Senior Executive MBL at AU SMALL FINANCE BANK

CREATE PROFILE
Surabhi Chaturvedi