Nidhi Vyas

 Financial institutes from 2007 to till

Jan-20 to Till                      CI CAPITAL INDIA PVT. LTD (Bhopal)                   Designation: Credit Head                                              Auto Loan, PL, BL & lap product                                                       

Job responsibilities: 

•  Prepare credit policy for Auto Loan, Personal Loan, BL & LAP.
•  Look after team management & Business portfolio. 
•  Startup of new NBFC activities like ECS, Insurance, CIBIL UPDATION, SOFTWARE ESTABLISHMENT, CKYC etc. 
•  Evaluated and priced the degree of financial risk of customer, vehicle, and loan structure.
•  Conducted sales & credit team training.
•  Underwriting of all cases.

Note : July 19 – Dec-19 months I have appointed in HDB financial as BCM, But I was not comfortable with there working culture, so resign before confirmation. 

Oct-17 to Jun- 19                     Shubham Housing Finance (Bhopal)                    Designation: Credit Manager                                                    Housing Finance                                                       

Job responsibilities: 

•  Handling secured product like Home loan, Home improvement, Resale, seller Bt, LAP etc.
•  Personal discussion with client on his premises.
•  Document verification and checking.
•  Evaluating client capacity, structure loan, and decision.
•  Underwriting of all amount loan.
•  Maintain policy adherence and assured collection of loan.
•  Disbursement process check by policy adheres.

Dec-16 to Oct-17                 Janalakshmi Financial Ltd (Bhopal)         Designation: Credit Underwriter                                                                   Microlite product                                                Executive     

Job responsibilities: 

•  Handling secured & unsecured Business loan product.
•  Personal discussion with client on his premises.
•  Document verification and checking.
•  Evaluating client capacity, structure loan, and decision.
•  Underwriting of all amount loan.
•  Maintain policy adherence and assured collection of loan.

Reason for Leaving : Company windup her setup from Bhopal.  

Nov 14 to Dec-16                         HDFC Sales Ltd (Bhopal)                           Designation: Credit Officer                                                      HOME LOAN                                                      

Job responsibilities:

•  Handling complete retail product bouquet comprising of Loan process.
•  Credit appraisal with terms and conditions as per profile to profile.
•  Analysis the cases for future prospects with long term relations with organization.
•  Responsible for login file and generate query for different profiles viz Salaried, SENP, SEP & NRI. 
•  Reviewing all loan application documents and making sure that all attachments such as Appraisals, Job verification & Bank A/C verification, Dedupe, Cibil etc. have been completed and submitted.
•  Responsible to conform the process requirements as per policy.
•  Maintaining and Nurturing key Relationship Management.

Reason of leaving: Batter prospects.

June12 to Dec-13                                    ICICI BANK Ltd (Mumbai)                 Designation: CPA Manager                                                                 HOME LOAN                                                   

Job responsibilities:

•  Handling complete retail product bouquet comprising of Loan process.
•  Manage the 45 counselor team, for their requirements.
•  Responsible for login file and generate query for different profiles viz Salaried, SENP, SEP & NRI. 
•  Excellent knowledge of sanction file appraisal in finone & Finacle software.
•  Reviewing all loan application documents and making sure that all attachments such as Appraisals, Job verification & Bank A/C verification, Dedupe, Cibil etc. have been completed and submitted.
•  Responsible to conform the process requirements as per policy.
•  Complete knowledge of different type disbursement Mortgages like Home Loans, Loan against property, Business Loan.

Reason of leaving : Marriage process were going from my native place.  

Jul-10 to Dec -11                         Credila An HDFC Ltd (Mumbai)                  Designation: Asst. Manager                                                         Education Loan with mortgage                         (Operation)         

Job responsibilities:

•  Handling complete retail product bouquet comprising of Educational Loan.
•  Documentation of all disbursement process, resolve the queries of customer.
•  Co-ordination with superiors for amendment in work process.
•  Agency controller for good functionality.
•  Telephonic discussion & Personal discussion with customer for check customer requirement & his behavior
•  Full co-ordinate with customer for there needs of education loan in India & Abroad.
•  Co-ordinate with forex converter agencies. 

Reason of leaving: Mother had severe health problem & Sister marriage function. For both need break from career for two or three months.

Feb' 2007 to Jun 2010 date           ICICI BANK LTD, Bhopal                               Designation: Credit Associate

                                                 Loan Against Property (LAP)                                                            

 Job responsibilities:

•  Handling complete retail product bouquet comprising of Loan Against Property, OD(Over Draft facility) and Lease rental 

  Discount.

•  Responsible for login file and generate query for different profiles viz Salaried, SENP, SEP & NRI.
•  Responsible for calculating loan eligibility considering many factors for all file types.
•  Managing sanctioning targets so as to manage area as profit center.
•  Excellent knowledge of sanction file appraisal in finone & Finacle software.
•  Reviewing all loan application documents and making sure that all attachments such as Appraisals, Job verification & Bank A/C verification, Dedupe, Cibil etc. have been completed and submitted.

Reason of leaving: Got opportunity in Mumbai for betterment.

1.  Master of Business Administration – MBA (Finance) from Punjab Technical University, Bhopal.
2.  Master of Science                 – M.Sc (Computer Science) from MCRPV University Bhopal.
3.  Master of Commerce           – M.Com (Taxation) Vikramaditya College, Barkatullah University, Bhopal.
4.  PGDCA from MCPRVUniversity, Bhopal
5.  Bachelor of Commerce        – B.Com from Chitransh ADPG College, Barkatullah University, Bhopal.