1. CURRICULUM VITAE
Harpreet Singh Bedi Mobile : +919887060555
E-mail: harpreetsingh.bedi82@gmail.com
Objective
An organized and effective project manager, skilled at seeing the big picture and identifying tasks
to facilitate on-time and cost-efficient completion.
A confident and concise communicator; able to deliver enthusiastic presentations with clarity and
humor to diverse audiences.
Functional Skills include:
 Proficient Operations Management
 Excellent Team Leading Expertise
 Training Expertise
 Quality Control
 Analytical Capabilities
Professional Profile:
A professional with over 10 years experience in the field of Finance with a strong visual
sense, excellent writing skills.
Professional Experience:
Current Company : Religare Housing Development Financial Corporation Ltd., Kota.
Designation : Branch Credit Manager
Duration : October 2014 to till date.
Responsibilities:
• Responsible for managing quality file logins and process for HL and LAP through CPA
team.
• Perform timely personal discussions with customers for all cases at their location and
prepare debit equity ratio in detail. As a credit underwriter analyze the same and take the
decision upto Rs. 25. Lacs.
• Segment analysis, including review of Particular Industrial sector (like Pharmaceuticals,
FMCG, Builders, Retailers & Contractors etc.) and evaluation of their performance in the
portfolio.
• Validate the disbursement request, ensure legal compliance on property documents, issue the
sanction letter as per sanction condition and ensure communication to client through CPA
team.
• Ensuring file completion before dispatch to central operations for QC and disbursement
through CPA team.

2. • Ensure collection of PDDs from the customer as per legal opinion (In BT & Purchase case
through company appointed lawyer).
• Identify negative areas and profiles in the area.
• Review the performance of agencies such as FI, CPV, Technical and Legal and also monitor
TAT.
• Review the performances of back office and sales team. Provide proper training to them on
updation in the policy and procedures of company.
• Prepare the marketing strategy to increase new business and find the new prospective clients.
• Manage branch administration to ensure up-keep ; Petty cash management and adherence to
policy as per statutory compliance.
• Ensuring cash management of clients (by cheque / cash) and maintain the collection of the
branch.
• Review of portfolio quality on periodic basis. Responsible for Branch Audits and maintain
the quality.
• Ensure timely payments of every vendor bills.
Current Company : HDB Financial Services Ltd., Ajmer.
Designation : Branch Credit Manager
Duration : May 2014 to October 2014.
Responsibilities:
• Responsible for preparing loan file (product Personal Loan, Auto Loan and Mortgage
Loan) by reviewing, clarifying, and obtaining loan application additional information.
• Request applicant CIBIL credit reports, property appraisals, background checks, and other
information pertinent to loan applicant’s loan recommendation and sanctioning
• Facilitate communication with applicant on fees, loan product options, loan repayment
options, and other credit terms.
• Interaction with external authorities and agencies for Fraud alerts.
• Analyzing & reviewing the market response/ requirements and communicating the same to
the sales teams for accomplishment of the business goals.
• Managing various activities as cash, clearing, customer service, audit and compliance and
other branch operations.
Current Company : Shree Mangalam Agency
Designation : Marketing & Business Development Manager
Duration : Jun’ 2013 to May 2014.
Responsibilities:
• Implementing sales and marketing strategies and plans.
• Taking care of promotional sales of new products.
• Develop strategies and build key marketing relationships.
• Reviewing existing contracts and looking for growth opportunities.
• Identifying prospective clients and then contacting them.
• Identifying opportunities, arranging and then giving demonstrations.
• Managing sales pipeline and closing business.

3. • Reviewing customer feedback and then suggesting ways to improve processes and service
levels.
Previous Company : Mahindra & Mahindra Financial Services Ltd, Dehradun.
Designation : Territory Accounts Head
Duration : May’ 2010 to Dec' 2012.
Responsibilities:
• Responsible for managing credit underwriting and process for Auto loans, Used car loan
and TW loans.
• Approval and deviation as per branch recommendation along with CIBIL and customer
back ground report.
• Re FI for non starter cases & NPA visit and submit the report to management.
• Delinquency management through roll backs, restructure, disposal and legal follow up.
• Managing a network of 05 branches across Territory with a team of 13 employees.
• Responsible for business feasibility and branch evaluation reports.
• Portfolio analysis & Audit for all branches in Territory.
• Managing Valuers, and Verification agencies for Territory.
• Established new verification and decision processes resulting in significant reduction in
decision turnarounds for the Business.
• Responsible for end to end TAT, quality underwriting, training, quality checks.
• Supervise & mentor the process activity for all branches in territory & support to HO
Accounts team.
• Responsible for Audit management, branches visit & cash management and monitoring the
account reconciliation (bank & TA).
• Responsible for imparting training to branch accountants and updating team members with
change in audit guidelines and process knowledge.
Previous Company : Fullerton India Credit Company Ltd, Kota.
Designation : Credit Officer.
Duration : Aug’ 2007 to Oct’ 2009
Responsibilities:
• Responsible for preparing loan file (product Personal Loan, Home Loan and Mortgage
Loan) by reviewing, clarifying, and obtaining loan application additional information.
• Request applicant CIBIL credit reports, property appraisals, background checks, and other
information pertinent to loan applicant’s loan recommendation and sanctioning
• Facilitate communication with applicant on fees, loan product options, loan repayment
options, and other credit terms.
• Interaction with external authorities and agencies for Fraud alerts.
• Analyzing & reviewing the market response/ requirements and communicating the same to
the sales teams for accomplishment of the business goals.
• Managing various activities as cash, clearing, customer service, audit and compliance and
other branch operations.

4. Previous Company : i-Process (ICICI BANK LTD), Kota.
Designation : Credit Processing Associate.
Duration : Sep’ 2005 to Dec’ 2006.
Responsibilities:
Prepare the CAM and analysis the financials for Secured products (Home Loan and Loan
against Property). Random client visits to have a better understanding of the respective
businesses and its criticalities. Interaction with external authorities and agencies for Fraud
alerts. Coordinate with Legal Advisor of the company for collecting PDD of the customers
as per legal opinion. Ensuring file completion before dispatch to operations team for QC
and disbursement.
Education Qualification:
Master of Business Administration (M.B.A.) : Sikkim Manipal University, Kota.
Bachelors in Commerce (B.Com.) : Kota Commerce College, Kota.
Class XII : Rajasthan Board.
Class X : Rajasthan Board.
Personal Profile:
Father’s Name :Late Shri Kanwaljeet Singh Bedi
Date of Birth :05 June 1982
Marital Status :Married
Harpreet Singh Bedi