Suraj Uttam
Banking Professional
Indore
Summary
Over 19 Years of experience as Credit & Risk analysis professional & Sales expertise in Banking & Finance Industry. Experience on Zonal Level in Credit as well as Sales (Designated as Vice President). Work experience of North, South & West India. Qualified Chartered Accountant & MBA in Finance & Marketing. Expertise to establish/build the Zone in respect of Mortgage & Home loan to develop the entire Sales & Credit structure.
Overview
17
17
years of professional experience
4014
4014
years of post-secondary education
Work History
Zonal Credit Head
Jana Small Finance Bank Ltd.
INDORE
12.2019 - 03.2024
- Managing credit team for Rajasthan, Madhya Pradesh & Chhattisgarh
- Handling Home Loan & mortgage business
- Sanction Authority of Rs.10 MN
- Responsible for Portfolio Performance like audit, Sourcing Monitoring etc.
- Due Diligence and Credit risk assessment of the proposals
- Decisions- on Mortgage proposals with considering overall rating of clients includes Financial Analysis, Ratio Analysis & Business forecast related elements to derive decision on proposal.
- Management- Manage & guide to Credit Team. Ensuring timely training to Team & Channel Partners.
- Responsibilities- Managing TAT, Legal opinion, Vendor Management.
- Holding responsibility for implementation of high standards of internal control and procedures.
Zonal Business Manager & Zonal Credit Manager
ICICI Home Finance Co. Ltd.
MUMBAI
07.2011 - 12.2019
- Managed credit team for Rajasthan, Gujarat, Madhya Pradesh & Chhattisgarh
- Managed entire South credit team of Andhra Pradesh, Telangana, Tamilnadu, Karnataka & Kerala from 2011 to 2017.
- Handling Home Loan & mortgage business
- Responsible for Portfolio Performance like Hind sighting, Audit, Sourcing Monitoring etc.
- Due Diligence and Credit risk assessment of the proposals
- Decisions- on Mortgage proposals with considering overall rating of clients includes Financial Analysis, Ratio Analysis & Business forecast related elements to derive decision on proposal.
- Management- Manage & guide to Credit Team. Ensuring timely training to Team & Channel Partners.
- Responsibilities- Managing TAT, Legal opinion, Vendor Management.
- Holding responsibility for implementation of high standards of internal control and procedures.
- Managing more than 150 Locations of South.
- Managing business of I Bank Branches, I Direct, DSA & Counsellors.
Branch Credit Manager
Indiabulls Housing Finance Ltd.
MUMBAI
03.2008 - 07.2011
- Company Overview: Mumbai
- Managed most expected & highest business Branch of India in Credit Aspects for Loan against property & Home Loan.
- Recommendation of the HNI Proposals of LAP & HL.
- Approval Authority of Loan proposal is Rs.35Lacs
- Responsible for Legal Check of the proposal
- Managed of Login, Vendor & Technical MIS
- Managed entire credit team.
- Responsible for Audit & Audit reverts
- Take care of Audits which are held by CRISIL, ICRA etc. for ratings
- Process related to proposal like Business Discussion, Credit Analysis & deciding overall rating of the proposals.
- Apply & follow TAT to proposals
- Managed mortgage business sourced by Business partners.
- Mumbai
Senior Credit Manager- Home Finance
Kotak Mahindra Bank
MUMBAI
09.2007 - 03.2008
- Company Overview: Mumbai
- Approval, Sanction & Recommendation of Home Loan files
- Credit processing of applicants based on their financials, business future & capacity
- Apply & follow TAT to proposals
- Coordination with Sales, Legal and Technical Department
- Personal Discussion with applicants to know credibility of them
- Mumbai
Team Manager- Credit Processing Agency
Veeraraghvan & Co.
MUMBAI
10.2006 - 08.2007
- Company Overview: (Associates with CITI Bank)
- Credit Processing of Business Loans, Unsecured Business Loans, Home Loans & Mortgage Loans.
- Analysing of creditability of customers based on their financials.
- Handled the entire in-house CPA (Credit Processing Agency) with respect to logins of file & its processing.
- Finalization of 'CPA Verification Reports'.
- Responsible to ensure Login TAT
- Preparation of Daily MIS & reporting to higher authorities on daily basis
- Managed whole staff of CPA Department.
- Audit on behalf of Citi Bank & Citi Financial
- Broker Audit
- Stock Audit
- Book Debts Audit.
- Finalization of Credit Approval Assignments
- (Associates with CITI Bank)
Education
Chartered Accountant -
ICAI
05.2006
MBA - Finance & Marketing
Rajasthan University
05.2007
Skills
- Leadership Skills
- Ability to Work under Pressure
- Ability to Multitask
Personal Information
- Father's Name: Uttam Chand Dhoka
- Date of Birth: 11/20/82
Timeline
Zonal Credit Head
Jana Small Finance Bank Ltd.
12.2019 - 03.2024
Zonal Business Manager & Zonal Credit Manager
ICICI Home Finance Co. Ltd.
07.2011 - 12.2019
Branch Credit Manager
Indiabulls Housing Finance Ltd.
03.2008 - 07.2011
Senior Credit Manager- Home Finance
Kotak Mahindra Bank
09.2007 - 03.2008
Team Manager- Credit Processing Agency
Veeraraghvan & Co.
10.2006 - 08.2007
Chartered Accountant -
ICAI
MBA - Finance & Marketing
Rajasthan University
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