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Dhiraj Gupta
BASIC
Deputy Manager in credit Dhiraj Gupta, Business, Accounting, Human Resources & Legal
I have more than 7 yeas of experience in credit underwriting. currently i am working with Tushar leasing and investment pvt ltd as a Deputy Manager in credit my roll to manage team, improve and develop the credit environment, improve credit software with improving and innovative ideas and corrections, analyses the customer profile on basis of his financial documents (banking, cibil, salary slip etc) and approve loan amount. Highly focused and goal oriented Manager with 5 plus years of experience pursuing a career opportunity which enables me to provide excellent service, apply knowledge and utilize my experiences in an impactful business industry. Work Experience:- Deputy Manager – Credit Tushar Leasing & Investments Pvt. Ltd 06 Feb 2018 – Present Job Profile: • Continuously seek to improve/develop the performance of others and continuously strive to improve his/her own performance • Assist with developing technological solutions to improve existing processes and overall portfolio management functions • Participates in recruiting and training, performance management and development of credit associates • Provides support to the Director, for the coordination and preparation of key performance reports for operations. • Create a culture of self-driven curiosity development and encourage intellectual curiosity to meet individual development goals. • Reviewing new credit applications to ensure receipt of all required documentation (current 6months banking, 3months pay slip, pan card, & Aadhar card) to set up the customer master file. • Use proactive fraud detection application to minimize risk and possible credit loss. Assessing the credit worthiness of client companies. • Staying informed about the legal, compliance and market-risk-related issues involved in the approval of credit. • Always attain the daily TAT targets maintain with the 98% accuracy • Running monthly reporting, review, format, and distribute files to executive group, financial services management and team, and sales management. • Assessing credit limit as per DSR, comparing with their financial activity throughout in last 6 months. • Ensuring proper posting of payments on accounts, research incorrect postings and submit correcting actions. • Audit cases which have been set up and take corrective actions on them accordingly. • Share updates with the team and provide feedback for quality improvisation. Senior Associate WNS Global Services Pvt. Ltd 06 Nov 2012 – 5 Feb 2018 Process: Mashreq Bank (Dubai) About: Mashreq has provided banking and financial services to millions of customers and businesses since 1967. It’s one of UAE's leading financial institutions with a growing retail presence in the region including Egypt, Qatar, Kuwait and Bahrain. They focus on providing their customers access to a wide range of innovative products and services. Job Profile: • Reviewing new credit applications to ensure receipt of all required documentation to set up the customer master file (current 6months salary banking, 3months salary slip, Pan Card, Passport, UAE ID card). • Documents verification - which must be self-attested and complete. • Obtaining and reviewing the credit reports, credit references, and financial statements to establish credit limits for new accounts per company S.O.P. • Always attain the daily TAT targets maintain with the 98% accuracy • Obtaining and interpreting the financial bank statements, pay slips to assist in credit limit reviews. • Compare liquidity, profitability, and credit histories of individual being evaluated with similar establishments to determine risk. • Auditing credit, risk and finance tools, documents and reports and checking its compliance with quality and accuracy • Compile reports regarding finance and credit data. • Assessing credit limit as per DSR, comparing with their financial activity throughout in last 6 months. • Ensuring proper posting of payments on accounts, research incorrect postings and submit correcting actions. My recent achievements - I was rewarded as team in 2019 and gave team responsibility in may 2019 followed that got promoted in jan 2020 as deputy manager. Key skills - I am enthusiastic, energetic and self motivated person. I always ensure to finish the provided task with best of my skills and ideas. I know team management. flexible with timing and quickly adaptive in new environment,
Business, Accounting, Human Resources & Legal
Accounting
Autotask
Bank Reconciliation
Risk Management
Valuation & Appraisal
$5
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