Saurabh Sangwan

About Saurabh Sangwan

A competent professional with 8.9 Years of experience in Home loans, Loan Against…

Experience

1. Mortgage Policy Manager

   L&T Finance

   Dec 2024 — Present · Mumbai, IN

   Completed the project for updation of nature of business for the INR 10K book and rectify the data in the credit portal. • Responsible for drafting policy and working on Pre approved, sampling check and ensuring through checks across all policy parameters with strong focus in timelines, accuracy, and operational efficiency.• Preparation of Portfolio analysis across product, transaction, industry wise analysis, collateral and assessment.• Coordinating with cross functional team – risk, compliance, audit, technical, product and business team to identify and mitigate policy related work.• Data sanitization of LTV Cases and product specific tagging.• Monitoring deviation analysis on monthly basis.• Monitoring the portfolio trigger on monthly basis and further providing recommendations on the delinquency basis, if any.• Maintaining question bank for credit delegation authority.• Screening and monitoring of risk category classification of recent onboard customers.• Review credit, legal and technical report and identify gaps in policy/process compliance.• Provide analytics support to various reviews of the portfolio and help to identify business opportunities.• Hindsighting of financial underwriting cases and mortgage plus on daily based on selection parameters.• In depth study of quick mortality cases with respect to exposure, collateral, credit assessment and any other issues and finding area of scope for the improvement in credit practice.

Education

• Symbiosis Institute of Management Studies

  Master of Business Administration (M.B.A.)

  2015 — 2017

• Delhi International School

  High School

  2008 — 2010

• Birla Public School Pilani

  Senior Secondary School

  2005 — 2008

• Dronacharya College of Engineering, Gurgaon

  Bachelor’s Degree

  2010 — 2014

Skills

• Credit Analysis
• Research
• Economic Research
• Option Trading Strategies
• Equity Research Analysis
• Life in
• Derivatives
• Financial Analysis
• Relationship Management
• Portfolio Management
• Customer Service
• Option Trading Strategies
• Equity Valuation
• Credit
• Financial Modeling
• Financial Accounting
• Market Research
• Financial Planning
• Financial Advisory
• Sme and Retail Lending
• Health Insurance
• Microsoft Office
• Social Media
• Sanction
• Disbursement
• Financial Management Experience
• Loan Underwriting
• Loan Servicing
• Management
• Derivatives Trading
• Microsoft Word
• Credit Appraisals
• Teamwork
• Mutual Funds
• Risk Management
• Credit Risk
• Business Development
• Equity Derivatives
• Bonds
• Wealth Management