DEEPAK PALIWAL

B-***, VASUNDHARA - *, POONAM SAGAR COMPLEX,

MIRAROAD (E), THANE:-401 107

Phone: - 28550413

Mobile No: - 992*******, 992*******

E-mail:- acdqlq@r.postjobfree.com, acdqlq@r.postjobfree.com

DOB: 8th March 1981.

EXPERIENCE:-

INDUSIND BANK LTD: As Regional Risk Manager- LAG from Feb 2014

. Regular portfolio tracking of Gold Loan business for the

Location, and take an active part in

Policy and process implementation.

. Recommendation for deviation cases on basis of positive personal

discussion with the applicant,

Cibil report, field verification report, Profile of the

applicant, Jewellery valuation report presented for

loan purpose and reference check if any.

. Active Part in new policy and process implementation within the

operation team and work with the

Verification team for quality CPV report with in describe TAT.

. Managing Gold Loans vendor for West Region consist of more than

50 individual valuers.

. Meeting with the High Value customers those applied for big

ticket size gold loan.

NEOGROWTH CREDIT PVT LTD: As Credit Manager- Merchant Cash Advance from Aug

2013- Feb 2014.

. Screening the application in terms of Card sales trend,

industry analysis for merchant and

Comparing the financials of previous years. Customer visit for

personal discussion.

. Managing the verification vendor and coordination with partner

bank and merchant service

Provider.

YES BANK: As Product Manager- Gold Loans and Personal loans from June 2012

to July 2013.

. Policy and procedure formulation and its implementation.

. Branches visits and operations management.

. Policy and products developments. Identification for new branch

location keeping in mind the

Competition, business scope in the area.

. Team recruitment, training and team performance appraisals.

. Empanelment of the Gold Valuers for various locations.

. Initially Gold Loan Valuer Empanelment for West -1 with 15

individual valuer and later on for

West 2, NCR, South 1 and South 2. Total 70 individual valuer

empanelled.

. Track over industry practice related to valuation rates,

policies, LTV and interest rates.

. Surprise branches visit to all locations for process check and

track over valuer's work.

. Branch wise portfolio tracking and managing auction of

delinquent cases.

. System UAT for Gold loan Product and Training to the end user

for all regions.

HDFC BANK: As Credit Manager - TWL and Gold Loan from Aug 2010 to May 2012:

. Decision cases sourced by Sales in keeping with the policy/process

laid out by the Central team on

all application being processed

. Responsible to ensure Portfolio Quality for the Product in the

location while maintaining service

Levels (TAT).

. Appropriate Feedback to channels/Vendors on a monthly basis on

their performance levels and

Take corrective action to improve vendor efficiency.

. Work closely with functions such as

Sales/Operations/Collections/CPU/Policy/Product etc to

Maintain a smooth flow of activities at the location

. Managing Gold Loans vendor for Mumbai Location consist of team

of 35 individual valuers.

BARCLAYS BANK PLC: As Associate Manager - Credit Cards (Credit &

Operations) from Dec 2007 and As Collection Strategy Manager - Credit Cards

from Aug 2009 to April 2010

. Ensure the approval rates are met and managed as per Business

requirement and take care of risk

Involved in the same.

. Provide appropriate Feedback to channels/Vendors on a monthly

basis on their performance

Levels and take corrective action to improve vendor efficiency.

. Ensure only quality profiles passing all policy parameters are booked

under the given portfolio.

. Managing collection agencies and work towards target assigned, and

take care of entire operation,

Card settlement, audit and compliance of agencies and best

utilization of budget available.

INDIABULLS CREDIT SERVICES LTD: - As Credit Officer in Personal loans

(Credit & Operations) from Feb2007 to Nov 2007.

. Appraise proposals for their creditworthiness and identify risk

issue in the same.

. Ensure support in policymaking and other initiatives for the group.

I-Process Services (India) Pvt. Ltd - As "Sr. Associate" in CREDIT

CARDS(Credit & Operation) from June 2004 to May 2006 & As 'Credit

Officer' in PERSONAL LOANS (Credit & Operation) from June 06 to Jan 07:

. Credit card underwriting as the policy and surrogates.

. Accurate implementation of policy guidelines and quick implementation

of changes.

. Assess the ability and intention to pay of the customer based on the

visible proof, document

submitted by the customer and the personal discussion and

assign the credit limit.

S.K. Bhageria & Associate (Chartered Accountants) - As Audit Executive from

July 2001 to May 2004

. Maintenance of Books of Accounts.

. Coordinating with Clients in relation to various ROC and Income Tax

Dept department.

. Filing of Income Tax Return.

. Companies and societies Audit. Internal Audit of Banks (Bank of

Maharashtra)

PROJECT: Analysis & forecast on retail banking product of different banking

industries i.e.

Personal loans, Credit Cards, Housing loans.

EDUCTIONAL QUALIFICATION:

MFM from Mumbai University JUNE 2008

B Com. Passed In the Year APRIL 2001

H.S.C. Passed In the Year MARCH 1998

S.S.C. Passed In the Year MARCH 1996

ADDITIONAL QUALIFICATION:

Elementary knowledge of computer:-MS Word, MS Excel, Tally,

Familiar with different accounting Software & CTL of Cards, LOS,

Finn one, Fin ware, Advance Suite

of Merchant Cash Advance.

Contact this candidate