Sr. Executive Officer
at
Bajaj Auto Finance Ltd.
, Pune
Working/Currently
• Handled credit portfolio for all segments. I.e. TW/ Consumer
Durables/ Personal Loans.
• Interacting with Customers and
Marketing Staff to mobilize & increase the
business.
• Checking the creditability of an applicant
considering earnings per month, expenses, other commitments
etc.
• Creditability from various aspects like other income
sources, other earning members of family etc.
• Verification
of banking habit of customer. Verification of track records of
other finance companies.
• Sanctioning finance based on
creditability of an applicant.
• Scrutinizing
Applications.
• Checking of supporting
documents.
• Assigning application for field
verification.
• On receipt of agreement, checking of various
requirements.
• Pre disbursement / Post disbursement
checking.
• Forward cases for disbursement.
• Track of
trade advances given to the auto dealers.
• Analyzing record
of collection and assigning of cases for collection agencies and
staff.
• Managing a network of over 150 dealers for across
Durgapur, Asansol and Suri.
• Managing deliquencies cases with
Collection agencies & Collection staff along with possible
solution.
• Interacting with Customers and Banking Staff to
mobilize the collection procedure.
• Lead a team of 20
On-rolls employee and over 50 off – rolls staff across all
divisions viz. Sales, Collections, Credit, Operations and
MIS.
• Achieved the highest ever collection figures at
Durgapur.
• Outsourced customer verification process thereby
reducing credit decision process Turn Around Time to 3 hrs.
• Handled entire Branch operations for the period of December
2005 to September 2006. The responsibilities handled are from
sourcing of business to collection of dues.
• Selected for
project and transferred from Branch to Corporate Office. A
project to implement core application software where I have been
selected as a project team member to map the current business
processes to proposed core application software.
• Selected as
a member of support group to provide solutions and suggestions
for the queries of employees. Handling queries of around 2300
employees.