VIPIN BEHL

Cont. No: 931-***-****

Email: ac3c5c@r.postjobfree.com

Seeking an assignment in Business Development/ Credit Management with an organization of repute.

SUMMARY

A seasoned, result oriented professional with over 14 years’ of experience across:

Credit Underwriting & Portfolio quality Management

Process Enhancement

Vendor Management

Effective Team management

Cost Management.

PROFICIENCY FORTE

Credit Administration (Assessments/ Approval): Assessing needs of clients and accordingly charting out viable finance portfolio after considering financial, legal and technical aspects. Monitoring securitized portfolio’s transactions. Performing the functions of assessing creditworthiness of clients and taking adequate steps to ensure receipt of payments and recovery of debts.

Risk Management; managing risks and implementing effective mechanisms to mitigate them. Framing guidelines for fraud control and checking segmentation of cases & briefing risk about dangerous segment of sourcing. Undertaking Non-starter updates to credit/collections and identification of risks, analysing risks, mitigating risk, controlling risk and monitoring of risks arising by funding of certain profiles. Scanning documents to avoid frauds and skips by minimizing the losses & implementing recovery strategies in case of payment defaults.

OCCUPATIONAL CONTOUR WITH ATTAINMENTS

Since Apr’07 with HDFC BANK – Assistant Vice President & Area Credit Manager-Unsecured loans

Key Responsibilities

Credit Appraisal of Loan proposal

Responsible for handling a Team of Credit Managers to do credit appraisal of small as well as high value retail unsecured proposals- handling portfolio size of more than 900 Cr for Delhi/NCR Region.

Personal discussion with customer for appraisals of high value Loan Proposals directly as well

Monitoring and review of portfolio and Timely action for correction for building healthy portfolio

With Prevailing Market Dynamics & frequent changes in Macro economic factors PQM Done for N1 basis the recommendation PAN India business loan policy has been revised rolled out on similar lines

Vendor Management.

People Management

Identification, hiring, training and retention of the desired Credit staff at all levels

Implement a performance management system and culture as per the KPI

Governance and Compliance

Implementation/Review and monitoring of continuous processes of ISO: 9001 implemented at Retail Credit HDFC Bank

Educate and train the team members on the policy

Ensure and check that policies and standards are being implemented at the ground level

Ensuring region is always ready for Audit & PAR with proper implementation of processes and policy.

Monitoring Performance & customer centric approach.

Implement a formal monitoring mechanism and MIS to ensure that each parameter of KPI is constantly measured.

Act as a constant source of feedback to product and policy teams to aid in innovating the current product offering with continuous focus on good and bad segment.

Monitor – Volumes, Productivity, Portfolio, cost management.

Oct’04 to Mar’07 with Royal Bank of Scotland as Senior Officer- Credit Cards

Key Responsibilities

Credit Appraisal of Credit card proposal & MIS management

Responsible for credit and risk evaluation of all credit cards application for small & high value proposals in centralized operation for pan India Application.

Prepared feedback & error reports, MIS, Dashboards, Duplicate Cards, Aging Allocation and Review, WIP City Check and communicating the same to the team, management and concerned departments.

Responsible for policy documentation, release of credit bulletin / policy refresher / policy snapshot and their communication to all departments. Responsible for drafting the guidelines rollout and its training to CPA’s.

Agency Management

Responsible for Managing Pan India Verification agencies for continuous improvement in CPV turnarounds.

Imparting regular training to CPA executives, Monitoring &.provide timely feedback in monthly reviews for enhanced quality.

Monthly bills processing & enforcing penalty as per the grid basis feedback received by team and ensuring compliance of critical Audit activity..

Aug’03 to Sept’04 with Standard Chartered Bank -Officer Collection & Recoveries

Key Responsibilities

Receivable Management in Credit Cards

Responsible for Credit Cards collections & stage reversals which involve receivables of 60 & 90 DPD & minimizing net flow rates to further higher bucket.

Ensuring referral to agencies in 60 & 90 DPD, to minimise risk, timely review & ‘holist’ potential delinquent accounts.

Trainings/Awards /Achievements

CAD Revision for Business /Professional loan. With LEVEL 3 authority of 25 lac. effective June 2017

PQM done for N1 Business loan –Basis the recommendation Pan India policy has been revised in 2017 on similar lines.

Oct 2014 Awarded as Silver Star award for fraud Prevention in unsecured portfolio.

Awarded as Best Underwriter /Credit Manager for FY 2012-13, for lowest delinquent portfolio (Pan India) in Business/SME loans segment for Delhi region.

Conducted 3 days certified integrated CRISIL Training –on various aspects of industry, high risk Indicators, SME Ratings etc.

ABN Amro Bank N.V-Awarded as best employee for FY 2006-07 for outstanding performance in controlling fraud.

Standard Chartered Bank-Rated for the best employees for the year 2003-04 for achieving best in country level, forward resolution in hard buckets.

ACADEMIC CREDENTIALS

2013 M.B.A-Finance ICFAI-Tripura

Dual Specialization

2002 Bachelor of Computer Application (B.C.A) IGNOU University.

2002 Graduate Diploma in IT & Management JIMS New Delhi

PERSONAL VITAE

Date of Birth: 14th November 1981

Address: Kautilya Apt, Flat no 74 sector 14B Dwarka

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