Varun Kotak
Branch Credit Manager @HDB Financial Services Ltd.
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WORK HISTORY
Branch Credit Manager @HDB Financial Services Ltd.
Bhuj, IN
Credit Underwriting of Secured & Unsecured Products Business Loans, Loan Against Property Area - Bhuj 1. Credit Decisions - Taking prudent lending decisions based on sound judgement 2. Portfolio Quality Management - Ensuring healthy branch portfolio. People Management - Managing & Motivating credit & branch teams 4. Assisting CCM/RCM with coordinating / managing RCU & verification vendors. Contributing to branch profit goals Credit Decisions > Taking sound lending decisions based on available information & interactions with the applicants.> Managing credit quality and control delinquencies, frauds > Understanding credit policy as well as credit environment in the city / branch > Structure the right product to the customer during customer interactions > Provide superior customer experience > Managing the process required for delivering reasonable turnaround time > Monitor portfolio indicators and ensuring that they are within the desired levels Monitoring Performance > Managing performance in terms of key drivers i.e- Loses / Portfolio quality parameters - Cost of credit administration - Employee Productivity People Management > Motivating and developing credit resources
EDUCATION
Knowledge academy
M.B.A. & C.F.P.
N.R.I.b.A
Bachelor of Business Administration (BBA)
ABOUT VARUN KOTAK
I have experience in working on both product and risk profile. Skilled in Credit appraisal for SME customers as well as Retail loans. Proficiency in credit underwriting and risk reporting with thorough knowledge of financial terms and risk profiles. Have experience in developing products to meet the business requirements along with understanding and analyzing the market. Sound knowledge of banking laws and regulatory issues related to all banks and NBFCs.
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