KUNAL SHARMA

[email protected]

12  years of progressive Banking Operations experience with strong background in operations and credit appraisals and process execution. Proven ability to work in a team, establishing a strong network and relationship through out the organization.

Currently working with HDB Financial Service Ltd. (NBFC for HDFC Bank) for their Commercial Vehicle Finance vertical as Credit Relationship manager since April 2016.

Handling 3 branches Chandigarh, Kharar and Kalka
Handing Business of Approx 3 Crore P.M (from Login to disbursal)
Credit Proposals /underwriting of CV &Car.
Monitoring the collection of EMI’s Of loan Disbursal
Monitoring 1st 6 months EMI Collection
Since January 2015– April 2016 with Bajaj Financ e Ltd at Kalka Branch, As Assistant Manager.

Implementation of cash policy and continuous evaluation to ensure adherence to the policy and compliance with the authority matrix at branches in the area assigned.
Daily cash collection / updating and deposition.
Preparing daily cash collection report and sending the same to HO.
Checking and updating agency collection.
Attending walk in customers and solving their issues and maintaining 100 % customer satisfaction level.
Reporting of location cash and customer service details on daily basis.
Cross selling the insurance and other products to walk in customers.
Collection customer feedback about our service and products.
Since March 2011– January 2015 with (E-nxt financials ltd) a subsidy of Tata Motors Finance Ltd at Chandigarh Branch, As a Operations Executive

Manage Branch related back & Front office processes for Operations.
Managing Cash & PDC collections over the counter & their banking
Checking of  Car & Commercial Vehicles files as per company norms & ensuring document compliance
Checking of all credit norms & implementation
Disbursement of Loan after checking all necessary documents
Booking of contracts within stipulated TAT periods
Since May 2008 – December 2008 with (siddha Associates) service provider for Barclays Bank PLC (Personal Loan) at Chandigarh Branch, As a Sr. Credit Officer

Managing and monitoring the activities of operations.
Credit appraisal and Non discrepancy check.
Handling Banking operations and processing of Personal loan applications.
Handling independently operations and financing division under totally computerized environment.
Screening of cases as per policy.
Review and evaluate necessary loan documents to ensure proper execution of plans.
Since March 2005 – April 2008 with (Vaibhav Financial) service provider for ICICI Bank Ltd. (Auto Loans) at Chandigarh Branch, As an Executive.

Handling banking operations of Car loans (used and new car).
Credit appraisals of Car loans.
Processing and punching the applications in APS software.
Maintaining coordination between Credit and Sales team.
Daily APS MIS updation.
Checking out the discrepancies.
Follow up with Sales and DMA’s for further perusal
Directly reporting to Credit Manager Chandigarh Location
MBA in HR from National Institute of Management (‘A’ Grade).
Bachelor of Arts from Mumbai University (Correspondence).

Playing Cricket, Internet surfing and listening music.

Date of Birth          10-11-1980
Marital Status        Married