1. RAHUL GAUR
EMAIL ID: rahulgaur_85@yahoo.com
: rahi.rj@gmail.com
Mobile No : +91 90242-07509
To continuously grow and learn as an individual and as a professional in accordance to the
requirements of the organizations With Positive Attitude & positive vibrations and directing my
energy and passion towards achieving continuous success for me and organization Both
Total 5 yrs. of experience.
Organization : HDFC Bank LTD., Jaipur
Designation : Assistant Manager - Retail Asset Operations –Installment Loans
Duration : 14th January 2012 to Till date
Roles & Responsibility
Disbursement of products Two wheeler Loans, Auto Loan, Personal Loans, Business Loan,
Tractor Loan, Joint Liability group & SHG loans.
Handling stock statement updation in working capital
Back up for Gold Loans & valuation of Gold loan jewellery.
Inventory Funding, Authorization of Disbursal report, Post disbursal Documents, Dealer / DSA
Agreements
Training provide to New Joinee and Back-ups
ADFC Team Handling.
Audit of various WBO (spoke) Locations, CPA visit.
To measure TAT (as per SLA document) for each transaction for each critical activities
(including Disbursement of Loans, CPA Process, Loan Closure Process with Customer
Deliverables, Collection Updation process) and take target for reduction of TAT
To measure FTNR for all processes and initiate corrective actions in coordination with
Product/Business Groups for FTNR reduction. Escalate FTNR data to Regional Managers across
all products.
Post Disbursement Docs [PDD] Updation submitted by sales as per process for all secured
loans; PDD document verification and Updation in Finnone; Handling discrepant PDDs and
Updation of PDDs in Inter-state Registration; Escalating pending/rejected PDDs MIS to the
channel.
To review existing processes and suggest / design new Processes to eliminate reworks and to
remove inefficient and redundant activities. And monitor the implementation of processes
rolled out centrally.
To ensure reduction in errors reported in the Branches. Target to bring down BRM Errors,
Concurrent Audit Errors, PDC Errors, PDD Errors to NIL
Managing Franking and Stamping activities at branch.
Collection Process- Schedule Updation and call back, Bounce cheque management, Receipt
Issuance.
Regular meeting with Sales and Credit to discuss new process changes
To ensure no repeat exceptions are commented in Audit; To carry out RCAs for all operations
related customer complaints and ensure to minimize.
Joint Client Calls with Sales/Dealer Visits/DSA Visits
Empanelment and mapping of Dealer/DSA/Collection Agency Agreements; vendor
agreements.
CSD working, loan closures & settlement, third party loan closures, SFR, Fund transfer.

2. Maintaining all the compliance according to organization.
Ensure that all the loan disbursal, Sealing of packet, Gold movement, storage of packet &
Release of jewels post closure are happing as per agreed process of the bank.
Ensure proper Vault & FRFC Management, Password Handover/ Takeover process are in line
with bank policies.
All reconciliations as per banks process and policy
Set Coordination between Sales and Ops for smooth process and achieve the targets.
Coordination withcentral operations team for the cases processed and deferrals.
Responsible Infrastructure arrangement for new gold loan hubs.
To ensure proper reduction in errors reported in branch rating module and Audit Report
To Surprise visit to various RA-Ops Gold Loan Branches
To ensure Quarterly Stock weight verification in the branch and proper sealing / Storage of
Gold Packets By staff
To ensure weighing machine passing Certificate renewed on time of all RA-Ops branches
Handling SI, PDC and ECS data updation by GL & PL Staff.
Sudden Projects Like Pan validation Done Comprehensively outstanding within TAT
Achievements:-
TwoSuccessful launchings of gold loan hubs in Rajasthan.
Successful implementation of New Storage process in all gold loan hubs.
Playedvital role during gold loan migration from LAGJ Application to LOS.
Five Audits conductedduring entire stint, all were satisfactory.
Training provided to Sales Team (Co Ex& HBL) For All the Driven & Main Products.
Through Referral business Generate Personal Loan Files for total of 45.5 lacs disbursement In a
Year
OrganizationsServedFor
Organization : Muthoot Finance Ltd., Jaipur
Designation : Account Executive – Branch Operations
Duration : 7th March 2011 to 10Th January 2012
Started Carrier With The Organization Muthoot Finance ltd. As An Account Executive &
Served the Company For 11 Month in The same Line of Work Area Of Gold Loan Operations
With Feather of Doing Sales & Customer Handling .
Responsibilities:-
 Generating Gold Loan & Gold Bond, Valuation of Gold, Joint Custodian, Customer
Handling, Wealth Management, Forex, Money Transfer, Generating bank Reconciliation
Statements, Cash Management, Maintain books of accounts, Looked After vendor
payments
Achievements
Achieved Month on Month Target of Sell of Gold Coins Along With Operations
Was Top Winner of The Branch for Achieving in Sales of Gold Bond For Highest Amount of Rs
30 Lacks in A month at the time of Drive
Attended The Junior Training Program After Six Month of the joining Which was very Short
Period to Give a training to Fresher
Achieved Cross Sell Targets Month On Month With The Completion Of TAT in My Core Handled
Profile
Got Three Of The Trophies @ the time of Quarter Review for Achievement to Maintain the TAT
& to achieve the Cross sell Target Always

3. PROFESSIONAL QUALIFICATION
MBA( With Dual Specialization ) JODHPUR NATIONAL UNIVERITY, JODHPUR
(session 2008-2010) (Approved by AICTE, Min. Of HRD)
Major Finance Management & Marketing
Management
Masters of Social Work IASE University, SardarShahar Rajasthan
(2008)
Master of Commerce University Of Rajasthan, Jaipur
(2008)
Bachelor Of Commerce University Of Rajasthan, Jaipur
(2005)
EXTRA CURRICULAR ACHIEVEMENTS
Appeared in NAC (NASSCOM ASSESSMENT COMPETENCE) in Rajasthan
 Industrial Accountant Course from ICA P.Ltd.in Jaipur, 2007
Tour at the production plant of Binani Cement Ltd, at Pindwara, Sirohi (Rajasthan)
45 Days SIP in “Reliance Communications”. From 1st July to 14th August.
Dignified as state level player in “Basketball” at Nokha (Bikaner), Rajasthan.
Dignified as district level player in “Lawn Tennis”.
 Nature - Believe in Myself, Responsible, Team player, Ready to accept challenges
 Interest - Internet surfing, Making GoodPublic relation.
Father’s Name : Late Sh. Kaushal Kishore Gaur
Date of Birth : 25th July 1985
Language Known : Hindi & English
Permanent address : Behind civil lines school
Gopal Garh, Bharatpur (Raj.)
I hereby declare that all the information provided by me in this application is factual and correct
to the best of my knowledge and belief.
Date:
Place:
(RAHUL GAUR)