Tanuja Pillania
Gurugram
Summary
To strive for excellence in whatever field of work and make optimum utilization on my knowledge and skills for professional growth and to contribute in the best possible manner for betterment of organization and self
Overview
7
7
years of professional experience
Work History
Credit Manager- Vehicle Loans
BMW India Financial Services Pvt. Ltd.
Gurugram
04.2023 - 09.2024
- Underwriting loans against hypothecation of vehicles. This included New Cars, Used cars (BMW & Non- BMW) & new BMW Bikes
- Assessing KYC docs, income docs (ITRs and bank statements) and verifying other sources of income of the applicant
- Analysing credit-worthiness basis calculation of critical ratios for self-employed as well as salaried customers. Assessing KYC docs, income docs (ITRs and bank statements). In-depth analysis of CIBIL report on a thorough basis.
- Handling dealership finance managers, giving updates on their loan applications & successfully directing them for further processes. Conducting trainings with the dealership finance managers pertaining to usage of the company's system (LOS), handling their complaints, queries & timely resolution for effective business
- Conducting re-structuring of cases due to either change in constitution, amalgamation or mergers. This involved getting in touch with third party agency employed by the company, verifying latest income details and relevant documents provided by the client pertaining to the change, contacting concerned teams in the company to complete the task timely
- Was also a member of DEI (Diversity, Inclusivity & Equity) team of the company which was responsible for conducting events/webinars to promote the same
Credit Manager- Loan Against Property (Secured Loans)
Kotak Mahindra Bank
Kolkata
11.2021 - 08.2022
- Underwriting and loan appraisal of secured (LAP) and salaried loans on the basis of viability of the customers' business
- Verification of KYC and other business-related documents which includes checking whether all parameters are well according to the rules & guidelines of the bank
- Checking and analyzing the credit-worthiness of clients on the basis of financial statements of past 2-3 years provided.
- Proper CIBIL analysis of all parties included in the agreement, their existing and past loans as well
- Analysis of critical ratios which are crucial and have a major impact on the business
- Visiting client's office/factory premises to get more deep knowledge of their business. Maintaining a healthy relationship with clients
Collections Manager- Micro Business Loans
IDFC First Bank
Kolkata
10.2020 - 11.2021
- Managing multiple delinquent accounts for debt collection purpose
- Keeping a track of allocated accounts and planning a course of action to recover outstanding payments
- Handling questions, complaints and resolving discrepancies in payments or accounts
- Following up with customers for settlements, foreclosures and restructuring of accounts
- Maintaining a healthy relationship with customers
Processing Officer Intern SARAL
Union Bank of India
Mumbai
04.2019 - 06.2019
- Loan appraisal of MSME's including Business loans on the basis of viability of customer's business
- Checking and verification of all business-related documents and KYC
- Processing of Loan at SARAL to the MSME Sector
- Was successfully able to be a part of 5-6 loan processing patterns
Graduate Intern
DK CHHAJER & CO.
Kolkata
02.2018 - 05.2018
- Handled some accounts of one of the partners
- Assisted CAs during Audits
- Stock Audit of Indian Terrain
Education
Post Graduation Diploma in Management - Marketing, Finance
Institute of Management Technology
Nagpur03-2020
B.Com(H) - Marketing
J. D. Birla Institute
Kolkata06-2017
Class XII - CBSE
Mahadevi Birla World Academy
Kolkata03-2014
Class X - CBSE
Mahadevi Birla Girls' Higher Secondary School
Kolkata03-2012
Skills
- Credit evaluations
- Credit Reports
- Loan Origination
- Loan policy limits
- Underwriting expertise
- Credit analysis
Hobbies and Interests
Reading Books
Accomplishments
- Scored a 100 in Business Studies in Class XII, A.I.S.S.C.E., 2014
- MT at IDFC Bank to win Silver Medal for outstanding performance in December 2020, i.e., within 3 months of joining
Languages
Hindi
First Language
Hindi
Proficient (C2)
C2
Bengali
Upper Intermediate (B2)
B2
Timeline
Credit Manager- Vehicle Loans
BMW India Financial Services Pvt. Ltd.
04.2023 - 09.2024
Credit Manager- Loan Against Property (Secured Loans)
Kotak Mahindra Bank
11.2021 - 08.2022
Collections Manager- Micro Business Loans
IDFC First Bank
10.2020 - 11.2021
Processing Officer Intern SARAL
Union Bank of India
04.2019 - 06.2019
Graduate Intern
DK CHHAJER & CO.
02.2018 - 05.2018
Post Graduation Diploma in Management - Marketing, Finance
Institute of Management Technology
B.Com(H) - Marketing
J. D. Birla Institute
Class XII - CBSE
Mahadevi Birla World Academy
Class X - CBSE
Mahadevi Birla Girls' Higher Secondary School
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