Summary
Overview
Work History
Education
Skills
Languages
Timeline
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VIKASH YADAV

VIKASH YADAV

GURGAON

Summary

Detail-oriented Assistant Manager (Underwriting and customer services) offers more than 10-year of progressive record of accomplishment in various roles. Establishes clear guidelines and enforces consistent policies to keep staff satisfied and on-target to achieve important objectives. Excellent relationship-building, multitasking and decision-making skills.

Overview

11
11
years of professional experience

Work History

Credit Manager

Capital India Finance Ltd
GURGAON
02.2022 - Current
  • Ensured timely and accurate processing of all credit transactions.
  • Analyzed financial data to determine the degree of risk involved in extending credit.
  • Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
  • Performed periodic audits of customer accounts to ensure compliance with company policies and procedures.
  • Provided guidance and support to other departments regarding the development of new credit policies and procedures.
  • Evaluated customer applications for credit limits in accordance with established guidelines.
  • Coordinated approval or rejection of education loans or personal loans.
  • Analyzed competitors and market trends to facilitate business growth.

Assistant Manager

PNB HOUSING FINANCE LTD
Bhiwadi
07.2015 - 11.2021
  • Assisted in the development of operational strategies to ensure efficient and productive operations.
  • Provided guidance and support to junior staff members on daily tasks, projects, and objectives.
  • Conducted regular performance reviews for employees to identify areas of improvement.
  • Coordinated with other departments to ensure smooth flow of operations.
  • Developed a system for tracking inventory and ordering supplies as needed.
  • Resolved conflicts between team members in an effective manner.
  • Managed customer service inquiries and complaints in a timely manner.
  • Monitored employee attendance records, timekeeping, and payroll information.
  • Communicated regularly with customers to gain insights into their needs.
  • Established processes for monitoring customer satisfaction levels.
  • Enforced company policies and procedures to strengthen operational standards across departments.
  • Completed inventory audits to identify losses and project demand.

Assistant Manager

Indusind Bank
Bhiwadi
08.2014 - 07.2015
  • Handling cash and remittances transactions and other banking operations at branch
  • Cross selling of CASA, FD, GI and LI client acquisition
  • Handling clearing and various remittances like RTGS, NEFT and IMPS etc
  • Suggestion and demonstration of various financial products to customers
  • Vendor appointment and payments handling of Branch expenses
  • Managed customer service inquiries and complaints in a timely manner.
  • Documentation as per RBI norms and compliance
  • Handling ATM Replenishment, Reconciliation and documentation

Officer

ICICI Bank
HISAR
02.2013 - 07.2014
  • Handled Assets operation like Home loan, commodity funding, rural industries finance, etc
  • Experience in working over various banking software, discrepancy check and compliance management
  • Monitored all operations for potential security risks and threats.
  • Experienced in scan based disbursement and scan docs management
  • Processing and disbursement of loans within TAT
  • Worked for the starting banking operations at new locations
  • Provided support and training to other teams at times of need
  • Awarded for outstanding performance in November by Zonal Head
  • Prevention of frauds and compliance issues by various checks
  • Preparation of SOX audit sample and other internal and external audit.

Education

B.Com - Accounting and Finance

PUNJAB UNIVERSITY
CHANDIGARH, INDIA
01.2009

High School Diploma -

KENDRIYA VIDYALAYA
REWARI, INDIA
04.2007

GED -

Kendriya Vidyalaya
REWARI, INDIA
01.2007

Skills



  • Banking and operations Skills
  • Underwriting Skills
  • Customer service skills
  • Presentation skills
  • Communication Skills
  • IT skills
  • Team Handling
  • Operations Management
  • Project Management Abilities
  • Training and Development
  • Financial Management
  • Retail Operations Management
  • Customer Relations
  • Retail Operations
  • Business Administration
  • Customer Relationship Management (CRM)

Languages

  • English, Hindi, Panjabi

    • Timeline

    Credit Manager

    Capital India Finance Ltd
    02.2022 - Current

    Assistant Manager

    PNB HOUSING FINANCE LTD
    07.2015 - 11.2021

    Assistant Manager

    Indusind Bank
    08.2014 - 07.2015

    Officer

    ICICI Bank
    02.2013 - 07.2014

    B.Com - Accounting and Finance

    PUNJAB UNIVERSITY

    High School Diploma -

    KENDRIYA VIDYALAYA

    GED -

    Kendriya Vidyalaya

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    VIKASH YADAV