Kanika Verma

A well maintained professional having ample amount of knowledge in banking sector and seeking an opportunity in the organization to use my skills and be able to contribute to the firm for which I am working. I will put my best effort to learn the company's policies and make better decisions in the favour of the company.

 Policy Manager & Nodal Officer
IIFL Home Finance Limited |Haryana- Gurgaon| September 22- Till Date
Work Details- Provides timely, accurate and persuasive advice, underpinned by analysis, contextual awareness and 
stakeholder consultation.
 Follow up with Zonal credit manager to get the property documents collected and updated in system.
 Working on Post disbursal documents data.
 Ensure post disbursement documents and covenant management.
 Overseeing and participating in the development of reports, documents, briefings and surveys.
 Helping to create and manage company policies, including those regarding workplace safety, employee conduct, 
and hiring practices.
 Formulation, assessment and implementation of risk policies & processes based on competition benchmarking, 
delinquency analysis, industry trends in line with the business requirements.
 Define & shape the customer experience, deliver new features and products.
 Interfacing with different internal departments for conceptualization, development and launch of programs.
 Periodic Review of the portfolio on the multiple parameters to analyze and mitigate all the associated credit and 
operational risks.
 Develop data visualization & summarization techniques to convey key findings in dashboards and presentations 
to senior management.
 Drafting the master audit check list to be followed by the internal audit team.Provide day to day support on decision making in complaints which are complicated in nature.
 Update Management on the progress of Customer Complaints and Customer Service in general
 Reporting CIC Data to Transunion, Equifax, Experien & Crif. 
 Getting Changes done in CIC Data as per RBI Guidelines.
 Enforce the Board approved Grievance Redressal Policy in the Bank
 Review all Level 2 and above complaints for adequacy before representation to the Internal Ombudsman.
 Handling the disbursement related activities, credit processing, repayment management, and customer service 
for retail business
 Disbursement Related activities like Loan Disbursements, Data Maintenance & Document Retention Process
 Updating of EMI Banking at local level as per process
 Credit processing including retail file checking, ensuring KYC compliance, preparing financial statements, 
Manage Regulatory deliverables including Cersai, CKYC
 Manage the team and develop their skills by on job training `- Ensuring that highest service standards are 
maintained for servicing of all clients and maintaining minimum turn- around- time
 Detailed Knowledge of KYC guidelines rolled out by RBI and other regulators as applicable to retail lending
 Basic knowledge of the MS office Good Communication and Interpersonal Skill
 Knowledge of Retail Lending Software – Ilos, Finone, DMS (Documents Management System), Omni, Jira, CRM 
(Customer Relationship Management), CTS (Collateral Tracking System) and Finacle

Deputy Manager (DM)
INDUSIND BANK| DELHI| April 2022- August 2022
Work Details- Working Sales of branch clients & Servicing walk-in-customers, handling queries, information on different 
products and services, handling front desks when needed and actively working on operation processes of the bank.
 Handle following duties at Branch: Trade-Business related, Non-Trade related & General Banking operations 
related.
 Checking KYC documents on new client Account opening forms.
 Onboarding of new acquired clients through welcome call and audit on sales process.
 Managing TAT for all service & operational transactions.
 Activation of clients on net banking and other non-branch channels.
 Business lead generation and passing to relevant sales channel.
 Managing overall client satisfaction score card for the branch.
 Authorization & audit checks for all operation transactions.
 Achieve annual targets for branch set in AOP (Annual operative plan)
 Make action plan, and strategize to get profit through branch operations and cross sell
 Keep up to date with product to provide suitable advice to the customers
 Reduce the waiting time for customers in branch
 Increase the customer satisfaction
 Know the value bankers (VBs) productivity and revenue generation
 Monitor the branch sales targets and strategize to acquire new accounts and expand existing accounts by 
offering various financial products and services to the customer
Credit Manager 
ICICI BANK LTD| Delhi| January 2016- March 2022
Work Details- Working on Post Disbursal Documents, Disbursement Docket Preparation, Client Queries of Home 
Loan/Mortgages
 Underwriting of salaried and Self Employed profile cases of Home Loan.

Training of CPA/DMA/DME
 Disbursement of Home Loan, Home Equity Loan, Top –Up Loans Etc.
 Handling of activities undertaken post-disbursement of loan.
 Handling of customer queries & request.
 Updating the Post Disbursal Documents (PDD) of Home Loan and Mortgages.
 Working on Post Disbursal Documents Data of respective HUB.
 Disbursement cheque handling & Liaison with lawyer’s regarding home loan 
 Transaction execution through empaneled lawyer at builder offices, Sub Registrar office & Balance Transfer Bank
 Providing NOC’s, Certificates and other related documents to customers.
 Follow up with Customer to get the property documents collected and updated in system.
 Preparation of docket- depending on the case type such as balance transfer, resale, fully constructed/under 
constructed, Lap, Direct Allotment, top up, insurance, subsequent disbursements, related to product
 Disbursement docket audit for proper and valid documents & their updating in FINNONE

Ma political science