Pradeep Nigam

Looking forward with new chapters and controlling the underwriting of Delhi & PCH. Manging entire PCH and Delhi NCR along with seasoned Credit team members, responsible for implementation of core policy, process and guidelines. Handling collections and internal audit closure from time to time.

Managing and building Micro LAP book, demonstration of multiple micro SENP cases. Managing and handling quality peoples of Delhi NCR and PCH location. Building a quality portfolio with higher yeild.

Assignment to Start Affordable Book in Delhi NCR - Catering MSME segment in Delhi , Some portion of Haryana and UP - Heading these locations and managing experienced underwriting team.

Managed the Delhi location, movement done from SCUF to SHFL for better results in terms of Vision and mission of organisation....managed big tickets and affordable loans here to enhance the market cap and enhance the better portfolio here. I am the one of experienced member of this team for better coordination between sales credit and super seniors....direct interaction with all parts legal, tech, RCU, Ops and CPV for better results. System oriented professional with vast experience in this domain. Worked with highly experienced and potential professional over the 7 years work experience in Shriram family. Book Size has been increased from 2500 Cr to 7000 Cr between my period.....& NPA size is too less as compare with market.... extraordinary experience alongwith better network !!!

1. Working Experience with a start-up Shriram undertook responsibility of formulating processes, policies, credit appraisal format designing & standardization, vendor visits & their empanelment, etc. 2. Directly interacting with vendor like Probe.com, negotiating the final pricing and introducing them onboard. 3. Working knowledge on software’s like Save Risk, Probe 42, Perfios and many other service engines forming critical part of appraisal and underwriting. 4. Single-handedly performed Loan Restructuring of a high-ticket size client affected due to the outbreak of COVID-19. 5.Team Handling of credit CPA's conducting their training from time to time. 6. Resolving audit queries raised by Internal Auditor, Statutory Auditor and during NHB Audit and responding to their audit remarks on individual basis. 7.Managing quality of the portfolio, Collections, PDD's and partly disbursed cases. 8. Co-ordinating with legal, technical and Risk teams for processing the file/ docket, end to end managing underwriting process. 9. Responsible for TAT of delivering sanction letter and disbursement within defined timelines. 10. Vendor Management/Training to vendors/ Vendor Billing / Ensuring Vendor quality in terms of process and policy adherence.

Credit underwriter and Risk analyst of big ticket size cases. Depth reasoning and better financial study. Efficient credit underwriter outlook, having the good set of PD skills. Good understanding of profile, preparation of Memo, deliver TAT and detection of Fraudulent cases.

CAM preparation, Valuations & legal study and SENP case analyst. Risk Management - Behind every successful decision always became a CMA

Potential to teach Mathematics / Accounts / Economics at the large platform till masters level. Having good teaching skills and experience. Innovative teaching skill and soft behaviour with higher level of standard !!!

PGDBF

Behind every successful decision of management always became a CMA

Fianance, Tax, Management and Accounting.

B. Com (H)

Certification that provides online training and education for finance and investment to professionals.