RESUMEABHIJEET D.GAIKWAD

C/O Shivchaya Building

Shantiniketan, Aurangabad Road,

Dist: Osmanabad, – 413501.

CAREER OBJECTIVE

To enhance the domain knowledge to manage the various aspects of research in an organization, through

integrated innovative aptitude and effective communication, to contribute towards the growth of the

organization utilizing with my expertise, strong interpersonal and communication skills along with an

effective teamwork.

PROFESSIONAL EXPERIENCE:

SwarnaPragati Housing Micro Finance PVT.LTD,

DESIGNATION: Assistant Manager (Credit and Operation)

ROLE & RESPONSIBILITIES:

Responsible for handling Credit activities for Home Loan, LAP& Mortgages. Preparing Credit

reports.

Doing PD with customers.

Familiar with underwriting processes, principles and procedures.

Worked on the secured / unsecured loan proposals as a part of underwriting team.

Familiar with the technical and legal aspects of the properties related to transfer of property etc. Capable of analyzing financial statements, understanding and interpreting financial ratios. Calculating eligibility and Financial Analysis according to different products and doing - Credit

Appraisal. Checking CIBIL and High Mark Field visit and Personal discussion with customers to understand employment, business, cash

flows, regular and routine expenses, existing loan obligation and its detail and purpose of loan, etc.

KYC, compliance with financial & other documents check list.- To co-ordinate with legal, technical, FI. - Underwriting of loan proposals and sending them for approval.

Support Business, Risk & Operations in meeting the long term goals of the respective businesses

Responsible for credit appraisal and monitoring for the Area.-Implementation of Credit Policy and continuous evaluation to ensure adherence to the Policy and - Building and leading a highly effective team.

Handling Credit operation from Log in to Disbursement. Credit Decision Making for Personal Loans and forwarding Proposals for Business and

Mortgage loans.

Handling Credit and Operational issues. Taking care of audit queries and maintaining good audit score. Taking care of collection of Front-end cases and maintaining branch portfolio. Preparing MIS, Collection reports on daily basis and Weekly review reports. Assisting customers with queries, requests & complaints. Assessing overall Credit Eligibility of customer & recommended the case to higher authority. Policy -Deviation Tracking Documentation, Disbursement & File Processing.. Knowledge on secured and unsecured loans.

KUDOS FINANC AND INVESTMENTS PVT. LTD.

Email:abhijeet.udms@gmail.comContact No.: 08087839970

Kudos Finance & Investments Pvt. Ltd. is a Non-Banking Financial Company (NBFC),

providing customized financial assistance to small-scale urban businesses, without any

demand for collateral's.

DESIGNATION: ACCOUNT AND OPERATION EXECUTIVE

ROLE & RESPONSIBILITIES:

At Branch level (DECCAN,PUNE).

Handling Branch operation with 3 member’s team. Reconciliation of all GL Accounts Checking all activities done by Team. Verification of Loan Application (Credit File) MSME Loan Appraisal and Disbursement Data verification in LMS Underwriting of Loans to SMEs, Self Employed & Salaried Professionals within defined time lines. Taking follow up for Credit File_ login to disbursements. Tax calculation ( Company budget ,Income Expenses, B.T A.T ) Fund Management (with Several Bank) Field Visit Auto industries for potential area for the Business (MSME sector) Preparing Ratio Analysis report, Budget report, Income and Expenses. New Idea Implement in the system

BHARTIYA SMRUDDHI FINANCE Ltd. (NBFC) BASIX is to promote a large number of sustainable livelihoods, including for the rural poor and women, through the provision of financial services and technical assistance in an integrated manner.

DESIGNATION: TA EMPLOYMENT DURATION: From 14th Dec 2009 to 15 Oct 2012 ROLE & RESPONSIBILITIES: At Branch level (Osmanabad).

Handling disbursement related issues of 6 branches in LATUR region.

Coordinating with 06 to solve product related Queries.

Maintaining Day to Day records and reports

Responsible for Loan Account closer.

Responsible for loan account creation of SG Loan, Employees loan, Education Loan.

Responsible for checking Outstanding Balance of customers.

Responsible for Customer ID creation in DELPHIX (Highmark)

Receiving Sanctioned details from Sanction team and Exporting those Customer details

by using High Mark application

Responsible for Creating Loan Documents of customers.

Responsible for timely disbursement to ensure complaint free customer service.

Maintaining MIS reports and cross checking loan disbursement with branches.

Responsible for loan Disbursal through LOC.

Handling Disbursement, EMI Collection, collection, Customers Enrollment through Recovery.

Checking Demand Vs Collection on daily basis.

Generating Trial Balance and ensure that all the credits posted are correspondingly debited to Pending Collection GL of the branch

Monthly BRS, IOR, CRS without fail.

MAHESH TAWAE TAX consultant (Beed).

The Tax Consulting to Salary or Business man and prepare project report to (NGO - Bankers)

service provide to customer related PAN or TAN. Company Audit and Compliance finalized

DESIGNATION: Account Assistance.

EMPLOYMENT DURATION: July 2005 to Nov2009.

ROLE & RESPONSIBILITIES:

INCOME TAX WORKING In TAXBASE SOFTWARE

Salaried Employee income tax calculation

Business man Tax Computation preparing.

Form 16 ,TDS, form verified and manual tax calculating

Preparing Audit File.

Preparing BRS, CRS.

Company Visit and finalized budgetary control sheet for developing company growth.

Preparing Balance Sheet and P&L and finalization transaction

Accuracy in accounting system.

EDUCATION DETAILS:

S. no.Exam

passedYear

Name of

InstitutionBoard / University

Main

subject

% of

marks

1 S.S.C. 2003 Sawarkar School Maharashtra Board -- 47.46%

2 H.S.C. 2005 Sawarkar College Maharashtra Board Banking 58.67%

3 B.Com 2011 Sawarkar College Aurangabad University Economics 56.50%

4 M.B.A 2014

Dr.BAMU-

Subcampus-

osmanabad

Aurangabad University Finance B Grade

PROJECT:

1. Sakhi Retail (Osmanabad) NGO Women Self Development process.

Used SPSS Software (Statistical Package for the Social Sciences) for this Project

2. Agriculture and Poor area Visit and aware about Eco friendly product used and protect

environment.

3. SBI and Birla Sun Life Insurance comparison between Product and Business which is best for

the people.

4. Economic crises & its impact on Indian financial system.

5. Comparative study of growth of developing economy.

6. Ratio Analysis study taken last five year financial data and find out which year company

performance is low or high.

AREA OF INTEREST:

I hold Interest in the field of Credit risk and finance wants to develop or grab knowledge in the same.

CERTIFICATION:

Computer course MSCIT - 78%Tally ERP 9 - A Grade.

OTHER SKILLS:

Open to new technologies and Quick learner

Very proficient in using MS Office, Power point, MS Word with high proficiency.

Tax Base Software, Onex Lending Management system, CBS Software, DELPHIX Software.

Highly motivated to work as a team Teamwork: A strong team player willing to ‘give’ to the

team for delivering top performance through the team. Willing to invest in the people in the

team as well as in peers. Strengths:

Hardworking with smartness. High achievement orientation with a conviction and confidence to lead the change agenda even

in face of deep rooted forces of organizational inertia. Ability to work under pressure to meet the deadline. Willing to work new concept. Honest, Dedicated and Responsible.

PERSONAL DETAILS:

Date of Birth : 15/05/1987

Marital Status : Unmarried

Nationality : Indian

Languages Known : Marathi, Hindi, and English

DECLARATION:

I hereby declare that the information furnished above is true to the best of my knowledge.

(Abhijeet D. Gaikwad)

PERMANENT ADDRESS: Behind Zhunjar Neta Press, Sapthrungi Mandir Near Malwase Beed. Tal: Beed, Dist: Beed. Pin code: 431122.