Having 6 Yeras of exposure in Financial Services/Banks. I am looking forward for a Finance organisation in which I can use my skills for the growth of organization as well as my personal goals accomplishment..

Industry:	Accounting & Finance
Occupation:	Credit Analyst
Ideal Companies:	CapitalOne Bank, Provident Bank, Citi Bank, Bank of America, AllState, Xcel...
Education level:	Master
Will Relocate:	Yes
Location:	Jersey City, NJ

10/2008 - 4/2009

Barclays Finance Limited

Manager

• Job Responsibilities: Responsible for vendor expansion plan for sourcing retail Asset products- Personal Loans, Home Loans, Business Loans, Insurance for the company. Complying with the compliance set by the company for the vendors in terms of selecting/deactivating a vendor. Training of vendors in terms of product/compliance/audit.

1/2008 - 8/2008

Onicra Credit Rating Agency of India Limited

Manager

• Job Responsibilities: Responsible for the entire region’s growth and profitability. Recruitment and management of the operations/audit/Risk team. Responsible for expanding branches. Entire operations at site and nearby locations Maintain service deadlines and plan processes to maintain TAT Billing and collection Managing HC in terms of delivery, process, annual reviews, rewards, payroll and hiring.

8/2006 - 1/2008

GE Money

Manager

• Responsibilities at GE Countrywide Credit and Risk Analysis Credit analysis and risk assessment of Personal loan/Mortgage application based on Customer risk and Channel risk and check whether he meets the MCP Analyzing the documents of the customer such as income documents, bank statements, CIBIL and deciding on a loan amount Signing of deviations for cases that do not meet all policy norms. Identifying any possible frauds and forged documents Analyzing the amount of risk involved by examining certain ratios such as IIR (Installment to income ratio) and FOIR (Fixed obligation to income ratio). Team Motivation Coach and mentor Relationship Managers to drive productivity and efficiency – consistently perform, exceed expectations and grow. Provide adequate sales support to maximize RM’s efficiencies Minimize attrition of team members Sales/Vendor Development: Hire, train new Vendors /Call centers &DST’s and motivate existing DST’s to ensure sourcing is carried out responsibly. Meet RACV targets, new loan targets, top-up targets, HTPL, Insurance and CAC. Organizing various marketing activities such as loan melas, road shows, canopy activities in coordination with the DST team for aggressive sourcing Market mapping for the Branch – Set-up optimal number of Distribution points Use creative tie-ups and low cost below the line options to drive Quality walk-ins to branch. Coordinate effectively with the internal telecalling team to close loop on leads and achieve target. Collections Collect on Pre FPD, FPD and SPD cases Coordinate with the collections team, analyze reasons of delinquencies and collect on 3 MOB – 8 MOB delinquencies

7/2005 - 7/2006

UTI Bank Limited

Manager

• *Employed with UTI Bank Limited as Branch Sales Manager in Retail Assets (Personal Finance). Job Profile includes: Managing DST of Bank, which includes a team of 40. Handling 8 Branches of the Bank for lead generation. Handling DSA’s of the bank. Overall managing of portfolio. Handling marketing campaigning.

10/2003 - 7/2005

Development CRedit Bank Limited

Manager

• Worked with Development Credit Bank Limited as Area Sales Manager in Retail Assets (Personal Finance). The profile includes managing OBSTs and DSA’s to deliver the set targets, lead generation and handling marketing campaigns.

2002

Master Degree

Indian Institute of Planning & Management

• Finance & Marketing

2000

Bachelor Degree

SG TB Khalsa (E)College

• Business Economice(H)

1995

High School/GED Degree

NC Jindal Public School

• Science

Credit Cards, Insurance, Personal Loans, Business Loans, Mortgage