Pravin Dashrath Sawant has over 13 years of experience in residential mortgage lending, customer relations, underwriting, and policy formations for affordable housing finance. He currently works as a Senior Credit Manager for Aspire Home Finance, where he is responsible for underwriting cases up to Rs. 20 lacs, training other employees, and ensuring portfolio quality. Previously, he held credit-related roles at HDB Financial Services, Mahindra Home Finance, Indusind Bank, and HDFC Ltd. Pravin possesses a Bachelor's degree in Commerce and is currently pursuing an MBA in Finance.

1. Pravin Dashrath Sawant
S. Panvelkar Park,
Phase - II, 7A,
Winter Berry Bldg,
Flat no. 101,
M.I.D.C Road,
Badlapur (E)
Maharashtra, INDIA.
Tel- 9867027030
E-mail: pravin231977@gmail.com
Over 13+ years in Residence mortgage lending, customer relations,
Underwriting and Policy Formations in Affordable Housing Finance,
Possesses a Bachelor's degree in Commerce.
Professional Experience:
Aspire Home Finance (Motilal Oswal Group Company) (Since 18-9-14 to till date)
Designation: Sr.Credit Manager.
Job Profile:
 Reporting to Credit Head.
 Underwriting of cases, irrespective of loan quantum.
 Approval rights of upto Rs.20.00 lacs.
 Presently been a part of functional trainer.
 Looking after Product, Policy and Process along with credit Head.
 Administered the entire underwriting procedures of Home loan
 Handling Branches Pan India Sanctions of Home loans cases.
 Branch visits.
 Lead a team of competent executives and credit officers, provided them superior
training on products, policies and surrogates.
 Determined the quantum of loan after ascertaining the net worth and repaying capacity
of borrowers.
 Enforced strict mechanism to effectively comply with TAT (Turn Around Time) for
approval and disbursement of loan
 Scrutinized all applications and documents submitted by the customers and placing it to
the branch head / head office for approval.
 Verified the loan applications on Cibil, CPV, reports and further made final checks of
CAM, and Personal Discussion with customers carried out random audit of files sent to
head office for internal check.
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2.  Worked closely with Departmental heads, Operations departments, Legal department,
Collection department etc. for smooth execution of all activities.
 Had got rising star award in credit for year 2014-15.
Achievements in Aspire Home Finance Corporation:
 Had got rising star award in credit for year 2014-15.
 Employee of the month for Augest-2015
 Joint as Manager-credit, very next year promoted Sr.Manager Credit
 Got Approval rights upto Rs.20.00 lacs.
 As part of credit team, manage to keep quality portfolio, as of march 16 out aprox
20000 customer bases, manage to keep on 24 accounts in overdue & only 4 account was
in NPA
HDB Financial Services. (Since 28.12.13 to 15.09.14)
Designation: Branch Manager-Credit.
Job Profile:
 Reported to Branch Head.
 Handled Secured and Unsecured loans
 Having underwriting limits upto Rs.50.00 lacs for LAP and Rs.5.00 lacs for PL.
 Compiled Credit appraisal of borrowers and performed risk analysis, to decide on the
quantum of loan.
 Personal Discussion with customer irrespective loan quantum.
 Administered the entire underwriting procedures of Secured and Unsecured loans.
 Determined the quantum of loan after ascertaining the net worth and repaying
Capacity of borrowers.
 Scrutinized all property related documents like, title deed, encumbrance certificate,
Sale agreement and ensured their authentication.
 Interacted with the legal department for obtaining legal opinion.
 Interacted with technical department for property valuation.
 Maintain zero delinquency for my branch.
 Coordinated with the operations department to disburse loan to qualified applicants
within the turn Around Time.
 Visiting the property to be mortgage with HDB financials.
Mahindra Home Finance (Since 14.02.2011 to 24.12.13)
Designation: Deputy Manager--Credit
Job Profile:
 Reporting to State Head Credit.
 Joined as Asst.Manager---Credit in 2011, and promoted as Deputy Manager--Credit in
2013
 Presently handling 12 branches.
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3.  Self appraising the cases of salaries individual, SENP,SEP AND AGRICULTURIST.
 Perform final approvals and reviewing the entire loan through verifications process,
Including adherence of companies norms and policy
 Researched applicant's background; checked credit score, contact employers an look
through other misc information's.
 Set terms of loan including repayment and interest rates based on risk factor such
credit score.
 Preparing independent recommendations in case which are beyond my approval limit.
 Maintained ongoing policy communication to branches all over Maharashtra.
 Sanctioning files recommended by credit officer.
 Personal visit in self employed case at business place of customer.
 Overall supervision of disbursal department for smooth process flow.
 Monitoring all credit officers in branches & coordinating with them.
 Handling processing unit at region office.
 Coordinating with legal and technical team.
 Visiting branches for Audit.
 Monitoring NPA and Analyzing it.
 Visiting property financed by Mahindra Housing Finance.
 Conducted legal and Technical Sessions in july 2013 at Thane Regional Office
 Conducted Induction Session for New Joined Employee in April 2013 at Aurangabad
Aruna Group; (Since 15.07.2009 To 01.2011)
Aruna Group is upcoming name in construction, fitness, and steel trading since 2005.
Designation: Asst.Manager.
Job Profile:
 Handled Team of 12 people.
 Handled purchase dept,
 Co-coordinate with site people for their requirement and daily report.
 Looking after, preparing of comparison for all quotation.
 Handling Credit Society.
 Weekly reporting to MD
Indusind Bank Ltd: (From 23.11.2005- 30.06.2009)
It is a first private sector bank that revolutionized the Indian banking scenario. By introducing
the concept of private banking it changed the way Indian banking customer were looking at
banks. Now on the same concept other bankers have also entered into the market. At present
this bank has around 250 branches and 400 ATMs all over India and the number is increasing day
by day. This bank was started as a corporate bank looking to satisfy the needs of Indian
corporate community. Later on it also entered into the retail banking making the banking
services approachable to households.
Designation: Credit/Processing Officer
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4. Job Profile:
 Reporting to the Credit Manager and Branch manager.
 Handled initials Credit before login the files (housing loans);
 Doing the process of field investigation;
 Making CAM, appraisal note & forwarding it to credit manager;
 Coordinating with FI, Legal & Valuation agencies;
 Coordinating with sales team for sanction & solving customer quires.
 Handled after pre-sanction, post-sanction & disbursement
 Supervision of account and regularization;
 Recovery of over dues and coordinating with recovery department.
 Handled after Non-Fund based products
Successfully handled the branch with an exposure of Rs. 1000 lacs.
HDFC Ltd: (form 01.09.1999 to 28.10.2005)
This is India first Housing Finance Corporation indulged in Priority Sector Advances, i.e;
Housing Finance. It has branches spread across all over India and oversees. Today it is a major
player in the Housing Finance market.
Designation: Executive
Job Profile:
 Processing of Home Loan Applications;
 Scrutinizing the documents;
 Doing credit Appraisal;
 Handled sanction & sanction compelling conditions
 Handled legal document & updating it on system;
 Getting technical done by technical officer;
 Handled all disbursement & post disbursement formalities;
 Updating PDC cheques, and coordinating with A/c department;
 Handled repayments of loans,
 Loan conversions from fixed to floating & floating to fixed
 Releasing Mortgages
 Handled deposits & coordinating with deposits department.
 Cross selling other banking products
EDUCATIONAL QUALIFICATION
Standard Year University/ Institute
MBA Finance.
(Perusing) Madurai university.
B.Com. 2002 Bharat College of Commerce, Badlapur
12th
1997 Junior Punjabi Collage Of Commerce, Ulhasnagar
10th
1995 Shri Satya Sai Niketan English High School
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5. Additional Qualification:
 Diploma in Computer operating MS Office;
 Type writing speed of 30 wpm.
PERSONAL INFORMATION
Father s Name : Dashrath Laxman Sawant
Date of Birth : May 23, 1977
Mobile No. : 9867027030
PAN No : AZDPS1544B
Marital Status : Married
(PRAVIN D SAWANT)
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6. Additional Qualification:
 Diploma in Computer operating MS Office;
 Type writing speed of 30 wpm.
PERSONAL INFORMATION
Father s Name : Dashrath Laxman Sawant
Date of Birth : May 23, 1977
Mobile No. : 9867027030
PAN No : AZDPS1544B
Marital Status : Married
(PRAVIN D SAWANT)
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