Risk Manager, Policy Manager, portfolio monitoring, Credit underwritin

POONAM PATEL **************@*****.***

CHARTERED ACCOUNTANT +919*********

Mahavir Jyot CHSL, E wing, Flat No. 6, Govardhan Nagar, Mulund W-400080 Summary

A Chartered Accountant, cleared CA final in 2015. I have total 8.5 years of experience, Currently working as Policy Manager-Consumer Durable with HDB Financial Services Ltd since 1 year. This role involves portfolio monitoring, policy formulation, BRE rule writing and project handling. Additionally I have 7+ years of experience in credit underwriting-retail lending (4 years in Unsecured business loan and 3 years in Auto Loan). I am open for policy and credit role both.

EDUCATION

Chartered accountancy

Institute of Chartered Accountants of India

12/2009 - 05/2015

Courses

CA Final (Group II) - May, 2015 206\400 - 51.50%

CA Final (Group I) - Nov, 2014 225\400 - 56.25%

IPCC - May, 2011 414\700 - 59.14%

CPT - Dec, 2009 143\200 - 71.50%

Graduation

B.Com - 2012 79.57% - Mumbai University

H.S.C - 2009 76.00% - Maharashtra board

S.S.C - 2007 79.53% - Maharashtra board

WORK EXPERIENCE:

HDB Financial Services Ltd

Policy Manager, Risk Dept.-Consumer Durable [ Mar, 2023 to till date ]

● Formulation and implementation of policies PAN India.

● Portfolio monitoring, Product and Policy review every month along with necessary corrective steps. Share portfolio observation to management every month.

● Business requirement study, analysis and implementation of functional requirements in the system

● BRE Rule writing and Project handling

Niyogin Fintech Ltd

AVP- Credit, Business Loan Dept. [ Jan, 2022 to Mar, 2023]

● Credit policy creation for various unsecured loan product after mutual discussion with Channel partners.

● Credit evaluation of prospective channel partners to check financial viability before partnership tie up. Interact with existing co-lending partner to regularly monitor delinquencies, early warning trigger and to identify and discuss the need to modify existing policy.

● Responsible for overall supervision of activities like login, processing, approval and disbursement

● Selection of suitable candidate and train them for end to end process in business loan finance. Team handling to ensure daily productivity and promoting the culture of teamwork within the team.

● Also additional activities handled are 1) Periodical portfolio analysis & maintaining Portfolio quality 2) Maintain & Improve TAT 3) Conducting training for sales & channel partner 4) Work closely with internal functions like Sales / OPS / Finance / IT etc. 5) Doing UAT for new functionality added in system 6) Preparing various types of MIS.

Niyogin Fintech Ltd

Manager- Credit, Business Loan Dept. [ Sept, 2018 to Jan, 2022 ]

● Sanctioning and underwriting unsecured business loans.

● Calculation of the loan eligibility of the clients based on cash flow & balance sheet ratios.

● Analysis of Financial Statements and banking of the clients, various ratio analysis, from CIBIL checking existing loans taken by customer, dpd’s and taking corrective action in sanctioning or declining the files.

● Conduct PD with customer to establish credit worthiness.

● Also additional activities handled are 1) Maintain & Improve TAT 2) Conducting training for sales & channel partner 3) Doing UAT for new functionality added in system ( BRE testing), comparative analysis of banking software for Vendor finalization 4) Preparing various types of MIS. ICICI Bank Ltd

Credit Manager, Auto Loan Dept. [ Oct, 2015 to Sept, 2018 ]

● Appraisal of cases including high ticket size cases, Analysis of financial given, business stability check, exercising due diligence in underwriting, Checking of various relevant ratios: DSCR, FOIR, debt to equity ratio.

● To maintain good rapport with other internal and external department, Communication with sales team regarding changes in policy and procedure, Training regarding sourcing quality, doing business development visit and dealer visit. B. James & Co.

Account Audit and Tax Assistant [ June, 2015 to Oct, 2015 ]

● Accounting and finalization, Tax audit and Return filing for manufacturing and trading companies. Sarangdhar & Co.

Article Assistant [ Aug, 2011 to Aug, 2014 ]

● Internal and Concurrent audit of Banks and Tax audit and Statutory audit of various enterprises.

● Accounting and finalization of various professionals and enterprises. Return filing of TDS, Service Tax, Income Tax and VAT.

Personal Information:

Date of Birth : 12th Aug, 1991

Status : Married

Languages known : English, Hindi, Marathi

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