Manager Loan

VINAY ARORA

Address: House No D-**, Devendra Nagar Sec – 4, Near Dashmesh Garden, Raipur (C.G) 492001. Contact No: 990-***-****.

Email id: ***********@*****.***.

PROFESSIONAL SUMMARY

A skilled and qualified professional with excellent Knowledge in Finance and accounting. My KRA is appraisal and decisioning of Proposal within TAT. Where, my core competency is in Ratio Analysis, Financial Statement Analysis, PD followed by underwriting and Loan structuring having Overall experience of 10 years (Covering Banking/NBFC Experience of 4.3 years) PROFESSIONAL EXPERIENCE

Previous employer – ICICI Home Finance

Posting – LAP and Home Loan – Affordable Segment (Raipur) Designation: Role – Senior Manager (Territory Portfolio Manager – (Chhattisgarh) Job duration: 10th October 2019 – Till 1st February 2021. Job Profile

Focus of Affordable Home loan policy targeting 25% of Monthly target by offering Apna Ghar and Micro Lap to Salaried and SENP profile for Loan amount upto 30 lacs.

PD and Underwriting of all SENP Cases of any amount maximum upto 2 cr. Proposal.

Preparation of proposal, MIS and Co-ordination with SM and CSA for documentation.

Monitoring of proposal from Login to collect concept.

Assist to Internal auditor for Quarterly Audit – Maintenance of Register for Assets and Personnel of branch, Necessary control are in Place.

Frequent Visit to Different District of CG for SENP Profiles – viz Korba, Jagdalpur, Bhatapara, Tilda, Bemetara, Rajnandgaon, Bhilai and Durg for PD for atleast 15 days in a month.

Previous employer – INDUS IND BANK LTD

Posting – Business Banking Group (Raipur)

Designation: Role- Manager (Credit Analyst – Branch Vertical (Chhattisgarh) Job duration: 22ND October 2018 – 04th October 2019. Job Profile

Credit Appraisal of High-Ticket size proposal and Loan Structuring of Working capital loan, BG, Bill discounting and LC proposals.

Assessment of Business unit from its Financial and legal aspect.

Preparation of proposal, MIS and Co-ordination with RM for documentation.

Co-ordinate with Risk Team for Mitigation of risk before Sanction of Loan proposal.

Renewal of Proposal with in TAT.

Previous employer – AXIS BANK LTD

Posting – Retail Asset and Operations (Raipur- Main Branch) Designation: Role-Deputy Manager (Credit Manager - Chhattisgarh) Job duration: 28th October 2016 – 21st October 2018. Job Profile

Credit Analysis, Underwriting, Loan Structuring & Assessment of HL and LAP.

Preparation and tracking of critical MIS and triggers attached to the portfolio (HL and LAP)

Vendor Management, products training to branch and sub branch team member.

Self Employed Professional – Proprietorship firm- Vinay H Arora and Co (Chartered Accountants). Duration- 1st July 2010 – 25th October 2016.

Area of work undertaken

Concurrent bank audit, Internal Audit, and Tax Audit, during last 5 years.

Credit Analysis of Customer & Documentation Liaising with Banks & NBFC.

Income tax related work like Scrutiny Matters, Tax Management & Tax Planning.

Statutory Branch Auditor of Dena Bank during Financial Year 2015-16. PROFESSIONAL QUALIFICATION

LLB from Pt. Ravishankar University in 2014-17 with 62% (Topper in College)

CS from ICSI in 2009-11 with 54 % (Cleared in 1st attempt)

CA from ICAI in 2005-09 with 55 % (Cleared in first attempt)

M.Com from Pt. Ravishankar University in 2005-07 with 71.90% (Gold Medalist)

B.Com from Pt. Ravishankar University in 2002-05 with 76% (Gold Medalist) AWARDS &ACCOLADES

Awarded with Sher-e-Sanchay and Axis Guardian- Blitz Champion 2018 in Axis Bank.

Certificate of completion of Axis CRISIL Risk academy Module organized in 2018.

Awarded with Corona Guidelines Professional by ICICI Home Finance in Aug 2020.

Certificate from CRISIL for Completion of Executive Training Programme in Retail Housing. PERSONAL DETAILS

Family Member – Self, Spouse (Housewife) and one Daughter.

Elder Brother is also Credit Manager in Reputed NBFC posted at Raipur and having two Daughter.

Father is retired was Working as Manager in Nagrik Sahakari Bank, Mother is Housewife. Undersigned

VINAY ARORA

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