Rekha Kashyap

Gurgaon
9555594530 | rekhakashyap0901@gmail.com

Objective

Knowledgeable financial professional experienced in assessing credit viability for Unsecured and secured loan
borrowers. Good organizational and critical thinking skills. Offering 2+ years of related experience. Hardworking
Team leader well-versed in reviewing financial documents, preparing loan packages and making
recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal
and written communication strengths.

Experience

Aye Finance Pvt Ltd Apr'23 - Dec'23

Team Leader - Credit
Property Loans (ML):-
Review property documentation including title commitments, address determinations.
Make loan eligibility decisions and approve or reject applications
Review and specify loan conditions as necessary
Review all mortgage applications and supporting documents to ensure all necessary information is
included for approval Analyze financial data related to loan requests.

HL and QML :-
Evaluate loan documents are to insure accuracy and completeness.
Perform risk assessments on potential loan recipients based on credit rating, borrowing history, and other
specific risk factors.
Record loan denials and specific basis for declining application.
Review and specify loan conditions as necessary
Review and verifying loan application supporting documentation.
Making loan eligibility decisions and approving or rejecting applications.
Documenting and effectively communicating reasons for the approval/rejection of loans.

Other Activities :-
Mentoring and Refresher trainings to new joinees.
STP cases.
Error clean up data.
Decline clean up data.
Decline review.
Regulatory audit in escalated cases through call verification from customer.

Aye Finance Pvt Ltd Apr'21 - Mar'23

Credit Officer
Credit appraisal of loan application with defined guidelines and policies to recommend for approval to
higher authorities.
Analyze risks and approve or reject loan requests.
Underwriting for SME Business loans: Unsecured BL.
Understanding of property related knowledge like (legal technical and value of the property).
Good knowledge of credit bureau like Trans Union Cibil, Crif High Mark, Equifax.
Monitor approval deviation and rejection on monthly basis.
Analysis and reviewing of banking statements and transactions.
Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
Organized and finalized loan applications for underwriter review.
Investigated and evaluated customers for creditworthiness and potential risk factors.
Review all mortgage applications and supporting documents to ensure all necessary information is
included for approval Analyze financial data related to loan requests.

Axis Securities Ltd Nov'17 - May'18

Coordinator
Co-ordinate with sales team for processing loan from pre sanction to disbursal.
Daily tracking of pending ï¬ le at sales end to achive required TAT.
 Publish monthly MIS for sales login, pendency and TAT.
Coordinating with customer in case of documents inaccuracies or incorrect information mentioned in
loan files.
Education

MDU 2017
M.com

MDU 2015
B.com

Skills

Loan Recommendation
Business credit coordination
Policy application
Credit report
MS Excel
Teamwork and collaboration
Training and development
Data analysis

Achievements & Awards

Top performer for the quarter year 2022 from Jan'22 to Mar'22
Appreciation certificates for more then 3 times in a financial year 2022-23
Got promoted to Team leader (TL) in year 2023