RESUME

NAME: ALOKKUSHWAHA

Address: ***/**,’J’BlockGovindNagarKanpur,

Pin : 208006

Mb.No: Mb.958*******,808*******

E-mail : adq6ey@r.postjobfree.com

CAREEROBJECTIVE

To becomevaluableintermsofknowledge,skils&endeavorsforan organizationwithaviewtoachieveprofessionalexcelence. WORKINGEXPERIENCE

PresentlyWorkingasaLocationCreditManager(LCM)inKotakMahnidraBankLtd KanpurfromMay-2018til.

Roles&Responsibilities:

Forpreparingcases&forpresentationofsametoauthoritylevel,withproper checkingofapplicablereportslikeCIBIL,NCIF&FIwithproperclarificationof anydiscrepancyifanyfound.

EarlierManagedCV,LCV,SA,CE,CV-Refinance Loan requests and made approvaldecisions.

Ensuredthatalcreditandloanstandardswereapplied

Determined loan approvalsandpreparedrequireddocumentationupon approval,

Folow delinquentaccountsandimplementtheappropriatestepsfor colection,

Multiply location handling forCV,SA,CE,LCV loan application,(Jhansi, Farrukhabd,Banda,KanpurNagar,&KanpurDehat,Fatehpur,Unnao,Kannauj,)

CreditAuthoritylimitUpto20Lacs.

ResponsibilityofFolowupforinfantcases…

Customervisitasrequiredcases.

ColectionvisitasrequiredCases.

WorkedasaOperationcum CreditLocationofficer(Kanpur)LocationinMagma FincorpLtdfromFeb-2012til.May-2018.

Roles&Responsibilities:

DisbursementprocesswithalproductsTractor,CV,CAR,UsedCV,UsedCE, usedCar,UsedTractor,

MainhandlingproductsondailybasisUsed/NEWcasesSuvidha.,Car,Tractor,& CE.(CVRefinance/Used)

BDCSprocess

Internal&ExternalAuditrevertedwithsolvingprocess.

BranchIn-chargeresponsibility.

ReconcileMISondaily&weeklybasis.

ICNprocessinsystem&manual.

Customer&dealerservicesinBranchlevel.

Maintainingweekly/monthlyandyearlyMIS.

PDDupdation&controledonbranch.

CheckingtheagreementofRTO&dealers

BranchQCAccuracy,NBTAT&Conversionratio

External&InternalCustomerfeedback

ImplementationofStandardizedprocesses&Auditrating

Accuracy&timelycirculation.

EarlierManagedCV,LCV,CV refinanceLoanrequestsandmadeapproval decisions.

Ensuredthatalcreditandloanstandardswereapplied

Determined loan approvalsandpreparedrequireddocumentationupon approval,

Folow delinquentaccountsandimplementtheappropriatestepsfor colection,

MajorRoles&Responsibilities:

ManagingmorelocationsFatehpur,Etawah,Banda

WorkingasabranchOperationofficer&TL

ImplementationofStandardizedprocesses&Auditrating

Accuracy&timelycirculation

o

WorkedasaCashofficerIncharge&OperationofficerinKotakMahindrabankLtd., fromMar.,2005KanpurtoFeb-2012(Retailassetscollectionofficer&Bankingofficer) KeySkill-(OperationsandBanking)

Roles&Responsibilities:

BankingRelated

StrictlyensuringthatthePostdatedcheques(PDCs)arebankedonduedatesand Bouncesareuploadedontime.

EnsuringthatalDailyReceiptEntriesarebankedondailybasisandupdatedinto thesystemproperly.

LookingaftercashmanagementactivitiesoftheBranch.

PDCManagementandECSDocumentationchecking.

ResolvetheCustomerqueries

Maintainingweekly/monthlyandyearlyMIS.

Cashrelated

Cashier

Controlovercolectionofcashbycolectionstaff.

CashtakenatCashcounter.

Controloverreceiptstoacknowledgethereceiptofcash.

ColectionandcapturingofPANdetailsforcashdepositsgreaterthanRs49999/-.

Maintainregisterfortransactionsgreaterthan10lakhs/vaultregister

Liaisonbetweenmanagementandbankregardingbankmatters/issue. Operationrelated.

1)Liaisonbetweenmanagementanddealersregardingvehiclepayment matters/issue.

2)Disbursement:Managingthedisbursementprocessforvehiclehandledbythe Branch,whichincludes:-

3)ScrutinizethedocumentsforDisbursementasperCompanypolicy. 4)Coordinatingend-to-enddisbursementprocessfortheBranch. 5)EnsuringthatthesanctionedloanfortheBranchisdisbursedwithinturn around time.

6)Checking&makingthedisbursementpayments.

7)Processvendorpayments.

8)InterdepartmentCo-ordination

9)HandlingBranchExpenses&VendorPayments.

10)Checkingdisbursementrelateddocumentsinfiles.

11)ResolveNOCrelatedissuesofcustomers.

12)PDDupdation&controledonbranch.

13)MaintainingofKeymovementregisterondailybasis.

14)IssuesofBookstoDRA&employees.

15)Fundtransferactivitiesonebanktoanotherbankondailybasisonelocationto anotherlocation.

OtherActivities

Volume/NRABilchecking

DMA&DRAAgreementandUsedCVAgreement.

CheckingtheagreementofRTO&dealers

MeasuresofPerformance:

•BranchQCAccuracy,NBTAT&Conversionratio

•External&InternalCustomerfeedback

•ImplementationofStandardizedprocesses&Auditrating

•VendorSupport&performance

•Accuracy&timelycirculation.

WorkedasaAccountasstsinB.BGroupfromJun.,2003toMarch2005. o MaintainingtheaccountsbookwithManualy&Taly.

o Manageofofficemanagement&storemanagement.

o Cashmanagement&maintainofSalaryprocessofworkers. PROFESSIONALQUALIFICATION

M.B.A.(Finance)fromSikkimManipalUniversity,Kanpurin2011.

SuccessfulyaccomplishedMasterofCommerce(M.Com)Kanpur Universityin2005.

ACADEMICS

CompletedBachelorsofCommerce(B.Com)from C.S.J.M.University in2003.

CompletedintermediatefromU.PBoardin2000.

CompletedHighSchoolfromU.P.Boardin1998

COMPUTERPROFICIENCY

Welversedwithconcepts&applicationsofMS-Office&Internet expertise.

AccountingTalyWorking

CoreBanking…

DiplomainCumputer.

WorkinginOracle.

References

Mr.RahulNigamBMMagmaFincorpLtd.

Mr.SaurabhSrivastavaRCMMagmaFincorpLtd

Mr.GurpreetSingh(Manager)KotakMahindraBankLtd.

PERSONALSTRENGTH

CreativethinkingandPositiveattitude.

Concretebeliefinbeingpunctualandsmartwork.

HOBBIES

ListingMusic&PlayingGames,Cricket.

PERSONALDETAILS

Father’sName : Mr.D.CKushwaha

Languageknown : Hindi,English

DateofBirth : 1stJan1982

Nationality : Indian

MaritalStatus : Married

Sex : Male

Date:

Place:Kanpur (ALOKKUSHWAHA)

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