1. CURRICULUM VITAE
Harpreet Singh Bedi
Mobile : +919887060555
E-mail: harpreetsingh.bedi82@gmail.com
Professional Summary:
A professional with over 11 years of experience in the field of Finance with a strong visual
sense and excellent writing skills.
Core Competencies:-
o Credit & Risk Management
o Excellent Team Leading Expertise
o Training Expertise
o Quality Control
o Analytical Capabilities
o People Management
o Process Implementation & Management
Functional Knowledge:-
o Collection
o Operation
o Customer Care
o Vendor Management
Organizational Experience
Company
Name
Job Title /
Grade
Product
Area Duration
Sanction
Authority
Region
1
India Infoline
Housing
Finance Ltd.
Asst. Credit
Manager /
Deputy
Manager
HL & LAP
Kota
Jan. 2016
to till
date.
Up-to Rs.
25 Lacs
Rajasthan
2
Religare
Housing
Development
Financial
Corporation
Ltd
Branch Credit
Manager
/Deputy
Manager
HL & LAP
Kota
Oct. 2014
to Jan.
2016.
Up-to Rs.
20 Lacs
Rajasthan
3
HDB Financial
Services Ltd.,
Ajmer.
Branch Credit
Manager
/Deputy
Manager
PL & LAP
Ajmer
May 2014
to
Oct.2014
Up-to
Rs. 05 Lacs
for PL and
Rs. 20 Lacs
for LAP
Rajasthan
4
Shree
Mangalam
Agency
Marketing &
Business
Development
Manager
Recron(it’s a
fiber using in
construction)
Kota, Bundi,
Baran &
Rawatbhata
June 2013
to May
2014
NA Rajasthan
5 Mahindra &
Mahindra
Financial
Services Ltd,
Territory
Accounts
Head
Auto and
Commercial
Vehicle
Dehradun,
Haridwar,
Saharanpur,
Chamba &
May 2010
to Dec.
2012
NA Uttrakhand
2. Karanprayag
6
Fullerton India
Credit
Company Ltd,
Kota.
Credit
Officer /
Officer
PL and LAP
Kota, Bundi &
Bewar
Aug.
2007 to
Oct. 2009
Rs.50k in
Personal
loan and
Rs. 2.Lacs
in Lap
Rajasthan
7
i-Process (an
unit of ICICI
BANK LTD),
Kota.
Credit
Processing
Associate
HL and LAP
Kota, Bundi,
Baran &
Jhalawar
Sep.
2005 to
Dec.
2006
NA Rajasthan
Role Wise Experience Summary:-
Credit Manager:
• Responsible for generating and managing the quality business for HL and LAP as per
company policy and process.
• Manage the credit team for day to day activities.
• Perform timely personal discussions with each customer for all cases (SE and Salaried) at
their business point / job location. Prepare debit equity ratio in detail, analyze the same,
review all credit checks and take the decision as a credit underwriter up-to Rs. 25. Lacs.
Above Rs. 25.00Lacs recommend the cases to appropriate authority
• Ensure the Legal and Technical compliance on property documents, issue the sanction letter
validate the disbursement request according to sanction condition.
• Ensure proper communication to client regarding fees, loan product options, loan
repayment options, and other credit terms and conditions, the activity is managed through
credit team.
• Ensuring file completion before dispatch to central operations for QC and disbursement
through credit team.
• Ensure collection of PDDs /OTCs from the customer as per legal opinion (In BT & Purchase
case PDDs collect through company appointed lawyer).
• Segment analysis, including review of Particular Industrial sector (like Pharmaceuticals,
FMCG, Builders, Retailers & Contractors etc.) and evaluation of their performance in the
portfolio.
• 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.
• Established new verification and decision processes resulting in significant reduction in
decision turnarounds for the Business.
• Responsible for Business feasibility, Branch evaluation reports and Audit report.
• Managing the appointed DSA and generate the quality business from them.
• Manage branch administration to ensure up-keep ; Petty cash management and adherence
to policy as per statutory compliance.
• Ensuring collection management of clients (by cheque / cash) and maintain the collection of
the branch.
• Delinquency management through roll backs, restructure and legal follow up
3. • Ensure timely payments of every vendor bills.
Marketing & Business Development Manager:-
• 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.
• Reviewing customer feedback and then suggesting ways to improve processes and service
levels.
Territory Accounts Head:-
.
• Responsible for managing a network of 05 branches across Territory with a team of 13
employees. For product Auto loans, Used car loan and TW loans.
• Ensure proper credit compliance like CIBIL credit reports, property appraisals, background
checks, and other information pertinent to loan.
• 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.
• Responsible for business feasibility and branch evaluation reports. Portfolio analysis &
Audit for all branches in Territory.
• Managing Valuers, and Verification agencies for Territory.
• 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.
Education Qualification:
Degree Course University / Board
Master of Business Administration
(M.B.A.)
Sikkim Manipal
University
KOTA
Bachelors in Commerce (B.Com) Kota Commerce College KOTA
Class XII Rajasthan Board KOTA
Class X Rajasthan Board KOTA
Personal Profile:
Father’s Name :Late Shri Kanwaljeet Singh Bedi
Date of Birth : June 1982
Marital Status :Married
