Summary
Overview
Work History
Education
Skills
Accomplishments
Companies
Personal Information
Timeline
Generic

Puja Kedia

Credit Analyst
Bangalore

Summary

Profile Summary

  • Managing underwriting of Self Employed business by offering multiple products like – LAP, Business Installment Loan, Working Capital Finance & Home Loans
  • Have been involved in buyout process of NBFC's
  • Proficient in connecting with clients to study their business models and understand their requirements.
  • 1000+ client visits across NBFC's and Banks
  • Validate banking, Sales turnover and other key financial ratios that are critical for credit decisioning along with pre-booking FRM checks
  • Responsible for authorization for Disbursement process, legal and technical reports
  • Evaluating client's credit data & financial statements in order to determine the degree of risk involved in lending money to them.
  • Conferring with clients to verify their financial/credit transactions & to resolve their complaints.
  • Handling disbursement process & Post disbursal exercise( PDD and audit)
  • Handled branch and Hub audit
  • Helped company in building the APF portfolio by on boarding the Builders
  • Analyzing client records and using the data to recommend payment plans.
  • Training & Credit Orientation Program to Sales/RM's/DSA's on business products
  • Management MIS and multiple reports
  • Keeping a close watch on collection.

Overview

9
9
years of professional experience

Work History

Branch Credit Manager

PNB Housing Finance Limited
01.2015 - 01.2018
  • Responsible for end to end loan processing, from initial receipt of loan application to Disbursement stage within TAT parameters
  • Underwriting of Home Loans and Non- Housing Loans for Customer segments of Salaried/NRI/SENP/SEP for entire AP & Telangana
  • Have sanction authority of 75 lacs (for self-employed) for Home Loans, LAP & Commercial purchase.
  • Responsible for handling of high value cases for SENP/SEP segments ranging from 1cr to 5cr
  • Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.
  • Analyzing credit proposals of all segments & conducting risk analysis & scrutinizing relevant documents before final sanction of loan
  • Loan Sanction Portfolio of 80-100 cases per month with all necessary checks & scrutinization before final disbursement ensuring faster TAT & showcase productivity
  • Responsible for authorization for Disbursement process, legal and technical reports
  • Confer with the Legal, Valuation team and other business stakeholders involved to get their clearance on the proposal
  • First Person Responsible (FPR) for branch process hygiene issues like timely closure of PDDs and control of audit issues
  • Responsible for handling of HUB Audit
  • Conducting training & Credit orientation programs for relationship managers/DSAs/ Connectors to educate on policy and product related queries
  • Active engagement with 3rd party vendors and track completion of all necessary verifications/ checks related to loan application within the required time
  • Helped company in building the APF portfolio by on boarding the Builders.

Branch Credit Manager

Indostar Home Finance Pvt Ltd
02.2018 - 11.2019
  • Responsible for end to end loan processing, from initial receipt of loan application to Disbursement stage within TAT parameters
  • Underwriting of Home Loans and Non- Housing Loans for segments of Salaried/NRI/SENP/SEP for entire AP & Telangana.
  • Analyzing credit proposals of all segments & conducting risk analysis & scrutinizing relevant documents before final sanction
  • Responsible for handling of high value cases for SENP/SEP segments ranging from 1cr to 3cr.
  • Loan Sanction Portfolio month on month with all necessary checks & scrutinization before final disbursement ensuring faster TAT.
  • Handling disbursement process of the sanctioned cases.
    Responsible for authorization for Disbursement process, legal and technical reports.
  • Confer with the Legal, Valuation team and other business stakeholders involved to get their clearance on the proposal.
  • First Person Responsible (FPR) for branch process hygiene issues like timely closure of PDDs and control of audit issues.
    Responsible for handling of Branch Audit.
  • Active involvement in empanelling third party Vendor on behalf of the organization.
  • Conducting training & Credit orientation programs for relationship managers/DSAs/ Connectors to educate on policy and product related queries.
  • Active engagement with 3rd party vendors and track completion of all necessary verifications/ checks related to loan application within the required time.
  • Preparing & presenting monthly MIS to the Senior Management in relation to Legal & Technical TAT

Credit Manager

Growth Source Financial Technologies Pvt Ltd
01.2021 - 08.2022
  • Responsible for end to end loan processing, from initial receipt of loan application to Disbursement stage within TAT parameters.
  • Underwriting of LAP, UBL & Machinery loans for Customer segments of SENP/SEP for entire Karnataka & Tamil Nadu
  • Analyzing credit proposals of all segments & conducting risk analysis & scrutinizing relevant documents before final sanction
  • Responsible for handling of high value cases for SENP/SEP segments ranging from 20 lakhs to 3cr.
  • Loan Sanction Portfolio month on month with all necessary checks & scrutinization before final disbursement ensuring faster TAT & showcase productivity.
  • Partial responsible for the collection of regional account.
    Responsible for authorization for Disbursement process, legal and technical reports.
  • Confer with the Legal, Valuation team and other business stakeholders involved to get their clearance on the proposal.
  • First Person Responsible (FPR) for branch process hygiene issues like timely closure of PDDs and control of audit issues.
    Responsible for handling of Regional Audit.
  • Active involvement in empaneling third party Vendor on behalf of the organization.
  • Conducting training & Credit orientation programs for relationship managers/DSAs/ Connectors to educate on policy and product related queries.
  • Active engagement with 3rd party vendors and track completion of all necessary verifications/ checks related to loan application within the required time.
  • Preparing & presenting monthly MIS to the Senior Management in relation to Legal and Technical TAT

Credit Manager - LAP

Yes Bank
08.2022 - 12.2022
  • Underwriting of LAP for Customer segments of SENP/SEP for entire Karnataka.
  • Responsible for handling of high value cases for SENP/SEP segments ranging from 20 lakhs to cr.
  • Partially responsible for the collection of regional account.
  • Responsible for authorization for Disbursement process, legal and technical reports.
  • Confer with the Legal, Valuation team and other business stakeholders involved to get their clearance on the proposal.
  • First Person Responsible (FPR) for branch process hygiene issues like timely closure of PDDs and control of audit issues.
  • Responsible for handling of Regional Audit.
  • Active involvement in empaneling third party Vendor on behalf of the organization.
  • Conducting training & Credit orientation programs for relationship managers/DSAs/ Connectors to educate on policy and product related queries. Active engagement with 3rd party vendors and track completion of all necessary verifications/ checks related to loan application within the required time.
  • Preparing & presenting monthly MIS to the Senior Management in relation to Legal & Technical TAT

Credit Manager

Standard Chartered Bank
01.2023 - Current
  • Managing underwriting of Self Employed business by offering various products like – Loan Against Property, Business Installment Loan, Working Capital Finance & Home Loans.
  • Conduct Project feasibility & due diligence studies, industry risk perception study, profitability & risk analysis and site visits for validation & sanction of financial assistance.
  • Validate banking, Sales turnover and other key financial ratios that are critical for credit decisioning along with pre-booking FRM checks.
  • Mapping client’s requirements with best credit/ financial solutions to suit their needs.
  • Monitoring and reviewing the financial performance of companies and ensuring checks and balances within the organization’s financial system / product policy for purpose of control.
  • Early warning call to the customer, to understand the problem and for taking measures for rectification. Meeting delinquent customer on regular basis.
  • Training to Sales RMs regarding business banking products on a regular basis
  • Performing due diligence to buy out retail book of NBFC helps bank to building up the book size of retail portfolio.
  • Ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements
  • Experienced in Credit Risk, Risk Operations, Fraud Risk & Debt Management in Retail Banking. Worked progressively across retail lending products of – Mortgage- Home Loans, SME-Small Business Lending for working capital (Business Installment Loans & Loan Against Property).
  • Expertise in credit risk management with deep knowledge of product life cycle. Design & implementation of process workflows mitigating credit risk, operational risk to achieve operational excellence, seamless execution to deliver an enhanced customer experience.
  • Understanding of Risk strategy, new product development, policy and risk operations, Internal Controls and Compliance, Risk and Decision Systems.
  • Expert in connecting with people and processes to arrive at the effective value proposition for business, derived from hands-on experience of working for change management projects & programs, successfully delivering it, in a multicultural and multinational organizations.

Education

MBA - Finance

Balaji Institute of International Business
Pune
04.2001 -

BBM- Finance - BBM

Garden City College
Bengaluru, India
04.2001 -

CBSE -

Scindia Kanya Vidyalaya
Gwalior
04.2001 -

Skills

    IT Skills

    LOS/LMS/Omnifin software for Underwriting

    MS Office Package

    Other Skills

    Good business acumen

    Strong quantitative & analytical competency skills

    Ability to streamline process & functions

    Customer Engagement

    Proficient in English

    Problem-Solving

Accomplishments

  • Awarded for outstanding achievement Pan India in underwriting for 2 consecutive months.
  • Awarded Star of the quarter for outstanding performance Pan India.
  • Activated inactive DMA's/DSA's leading to significant enhancement in business.
  • Conferred with Bronze Medal for securing 3rd Position in Finance Stream in MBA.
  • Heading the Corporate Relations team for campus recruitment during MBA.
  • Participated in National Level Commerce Fest PRAYAS held by Christ University Bangalore.

Companies

  • Standard Chartered Bank
  • Yes Bank
  • Growth Source Financial Technologies
  • PNB Housing Finance Limited
  • Fiat India Automobiles Ltd- Internship ( During MBA)

Personal Information

  • Date of Birth: 06/06/91
  • Gender: Female

Timeline

Credit Manager

Standard Chartered Bank
01.2023 - Current

Credit Manager - LAP

Yes Bank
08.2022 - 12.2022

Credit Manager

Growth Source Financial Technologies Pvt Ltd
01.2021 - 08.2022

Branch Credit Manager

Indostar Home Finance Pvt Ltd
02.2018 - 11.2019

Branch Credit Manager

PNB Housing Finance Limited
01.2015 - 01.2018

MBA - Finance

Balaji Institute of International Business
04.2001 -

BBM- Finance - BBM

Garden City College
04.2001 -

CBSE -

Scindia Kanya Vidyalaya
04.2001 -

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Puja KediaCredit Analyst