Archies Bhanushali
Branch Credit Manager | Loan against property | Home Loans | Personal loan | Business loan|
- Role
- Branch Credit Manager at HDB Financial Services Ltd.
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Archies Bhanushali
MBA Graduate and Finance Professional with good experience of Credit underwriting in Home Loan, Personal Loan, Buisness loan, Post Disbursment Process, Monthly audit of Gold, 1 to 12 MOB Collection, Worked on various underwriting softwares such as Finone (LOS), Finverse, A3S, RapidSuccessfully managed credit portfolios for diverse clients, ensuring adherence to credit principles and mitigating risk through thorough research and analytical thinking. Consistently meets deadlines, resolve discrepancies and increase company\'s revenue. Highly skilled at maximizing productivity through detailed analysis and process improvements.
Experience
Branch Credit Manager
Sep 2023 — Present · Mumbai, IN
Products (Secured & Unsecured): Self employed & Salaried Profile- Loan Against Property, Personal Loan, Self employed buisness loan- Ticket Size for personal loan : 7.5 Lacs, Business loan 25 Lacs, Micro EBL 10 lacs & LAP 2 CroreSanction Authority : Upto 3 Lacs for PL & 3 lacs for gold loan1. Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan.2. Verifying the promoter’s track record & ascertaining their credit worthiness.3. Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position4. To ensure Bounce Rate and Delinquency are within acceptable standards.5. Monitor and enforce approval rate and TAT as per prescribed standards.6. Monitor and ensure that monthly Branch audit score is satisfactory.7. Vendor Management.8. To conduct customer meeting to evaluate credit proposal9. PDD Tracking and closure10. Compliance to repayment instrument replenishment to ensure regular repayment of EMI11. Handling collections - 1 to 12 MOB12. Monthly audit of gold
Education
University of Mumbai
Bachelor of Commerce - BCom
2014 — 2017
DURGADEVI SARAF INSTITUTE OF MANAGEMENT STUDIES, MUMBAI
Master of Business Administration - MBA
2019 — 2021
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