Siddhesh Kalekar.

Currently designated as Credit Manager and responsible to develop the portfolio belt for the Navi Mumbai region. Landing loan ticket size up to 10 crores. So far more than 400 plus cases analysis done and built 500 crores approx. portfolio and delinquency are 1%

• Analysis and structuring of cases as per policy and compliance and to come up with the eligibilities.
• Cases being decision under multiple programs as Normal Income and Surrogate program as Banking, RTR & GST surrogate.
• Micro and Macro LAP cases decisioning done within 3 days TAT.
• Daily huddle meets with sale and credit team.
• MIS update and weekly follow up with vendors and DSA meets to enhance and to give direction to the portfolio and business.

Designated as Credit Manager & responsible for handling Thane & Turbhe & Panvel branch team & portfolio. Specialized in affordable housing & Micro LAP cases with ticket size up to 2 crores. Portfolio around 250 crores approx. built in the journey with 5% bouncing ratio and 0 NPA cases.

• Daily huddle with team member regarding logins, sanction, and disbursement for the day.
• Analyzing WIP cases & Commenting on the Financial Ratios of SENP cases. Conducting Personal & physical discussions with the clients to understand their Business Structure & Models, Working Capital Cycle, salary structure etc.
• Sanctioning of loan as per the policies & parameters for branch.
• MIS presentation and weekly follow up regarding OTC & PDD.
• Providing Training as per updated circular related to SBIL, HL & LAP & leading team of credit & operational team at branch level.

Designated as Credit Underwriter, A Fintech organization which is India’s online lending platform committed towards the growth of small & medium business, across all sectors. Portfolio was built approx. 15 crores with Zero delinquency report & 9% bouncing ratio. Gain adequate product knowledge regarding Business term loans secured and unsecured & Line of credit such as Supply chain finance.

• Conducting Personal & physical discussions with the clients to understand the Business Structure, Working Capital Cycle, etc.
• Cross check the eligibility of application as per various lender policy.
• Training and guidance to CPA team as per new policy rollout and amendment.
• MIS presentation to lending partners regarding total exposure & portfolio.

Projects.

• Preparation of Scorecard on excel regarding all policy such as Term loans, SCF facilities etc.
• Preparation of hotel industry analysis score card which covers maximum parameter to analyze Indian hotel industries which is presented and applicable through directors and currently running successfully.
• Prepared Supply chain policy, coordinating with product department covering maximum risk parameters & consumer requirement as per markets.
• Guidance & innovative changes regarding work process & preparation of Grid of system regarding automation.

Responsible for assessment of risk of new and existing account by way of credit information & Financial information.

• Analysis of loan application – through analysis of KYC and firm and company document as per the compliance.
• Generating Cibil & Equifax report. Analysis of Credit reports.
• Plotting & Analysis of Financial Data. Calculation of Financials ratio - liquidity measurement, Profitability, debts & Operating Performance. Analysis of Cash Flow & Investment Valuation etc.
• Capturing deviations of Credit, Financials, FI and crime check reports.
• Preparing CAM and share to the concern credit managers.
• MIS maintenance activity.