This document contains a summary of Jayram Shantaram Sawant's work experience and qualifications. He has over 15 years of experience in financial services, currently working as a Manager of Credit at Axis Bank since 2007. Previously he worked at ICICI Bank from 2000-2006 as a CPA Manager handling credit card applications and customer queries. He has a Master's degree in Financial Management and is pursuing a Master's in Banking. His objective is a financial management position in a financial services corporation.

1. Jayram Shantaram Sawant
H Wing, First Floor, Flat no 101,
Usha complex, Nr. Usha Nagar,
Khandelwala Marg,
Bhandup (w), Mumbai – 400 078.
Contact no : 9833015966
E Mail : jayram123456@gmail.com
Objective: Financial management position with significant line impact preferably in a
financial services corporation.
Work Experience:
Name of Organisation : AXIS Bank Ltd.
Duration : Jan 2007 – Till Date.
Department : Retail Assets Credit (PL& Credit Cards)
Designation : Manager (Credit Manager)
Current Job Profile (Sine April 2014):
 Handling end to end process of Personnel loan applications (from application login
to approval in the system).
 Proper policy training to CPA & update all policy related information’s.
 Exercising due diligence and caution, keeping in mind the interest of the bank and
the customer by strictly adhering to the credit policy.
 Ensuring adherence to service standards & Turnaround times by following First in First
out method.
Previous Job Profile:
 Handled commercial credit card process for more than three years.
 Evaluation of credit proposal basis two year company’s financials, Auditor’s
qualification reports, internal & external credit rating, Ratio’s calculated as per
financials (TOL/TNW, Current ratio, Debt equity ratio , Working capital cycle etc)
 Handled retail credit card process from Jan 2007 to Sept 2010.
 Credit evaluation of Credit Card applications within defined Sourcing policy
framework, within the permissible TAT Norms.
Achievements: - Received Best Performance Award for underwriting & policy.
Nominated by Axis Bank president for the year 2008-09.
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2. Professional & Previous Working Experience:
Name of Organisation : ICICI BANK Limited. (Active participation from 0 to 5 Million cards)
Duration : January 2000 to December 2006
Department : Underwriting - Credit Card.
Designation : CPA Manager
Job Profile:
• Worked with ICICI Bank through Agency Alpha Data Services & I Process India Pvt Ltd
& I Process India Private Limited
• Check the Quality of Credit Card Application as per the Credit Policy for the Bank.
• Scrutinizing the Credit card Application & legal Documents (ITR, Form16 etc).
• Resolving customer queries received PAN India, relating to credit cards using
software like
Vision plus, SIEBEL, FCRM & PRIME.
• Credit card application decision as per the KYC & policy norms provided by the bank
• Final Decision of Credit-Card Applications on the basis of F.I reports & Assigning Credit
Limit accordingly.
Achievements: - Active participation from 0 to 5 Million cards
Name of Organisation : Jenil Marketing Private Limited
Duration : January 1998 to December 1999
Job Profile:
• Preparing Bank Reconciliation statement on monthly basis.
• Collecting applications from different agencies.
• Preparing general & cash vouchers.
• Printing cash voucher, Bank voucher & tallying the same with bank statement.
• Scrutinizing & verification of legal documents.
Name of Organisation : Countrywide consumer Finance Services Limited.
Duration : May 1996 to December 1997
Job Profile:
• Collecting applications from different agencies.
• Tracking applications as per different scheme.
• Sending C.R.V. (Customer Relation Visit) report to agencies.
• Scrutinizing & verification of legal documents.
• Handling correspondence with customers & dealers independently.
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3. Education:
Master of Financial Management from Mumbai University in May 2011
Pursuing Master in Banking (Ms Banking) from ICFAI University (only last semester is
pending)
B. Com. from Mumbai University in 1996.
H.S.C. from Mumbai Board in March1993.
S.S.C. from Mumbai Board in March1991.
Skill &Training
Certificate Examination in Credit Cards for Bankers from Indian Institute of Banking &
Finance in December 2008.
Diploma in Computer Application from Aptech
Operating Systems known: Windows 95 & 98, Ms- Office, Operating Internet
Personal Details
Date of Birth : 23rd
June 1976
Marital Status : Married
Nationality : Indian
Languages Known : English, Hindi & Marathi.
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