Vikas Patidar

Background

About Vikas Patidar

Credit Risk Manager” Agri Credit Department in Yes Bank Ltd, From 29th OCT 2019 to current date. To appraise/underwriting Agri loans of SHG, KCC, Farm Mechanism, FDOD, and Agriculture term Loan. Managing the entire credit application appraisal process, right from login to disbursement. To manage health and hygiene portfolio. Page 3 of 3 To track and update post disbursal documents to reduce the default risk. To co-ordinate with legal, technical, Field investigation and Risk Containing Unit agency for processing the file / docket. Training of CPA / DMA / DME. Responsible for maintaining accurate turnaround time of delivering sanction letter and disbursement. Identifying fraudulent applications, applying an investigative approach towards suspicious applications made to the organization. Having sanctioning power in KCC, ATL, SHG and FE (tractor loan). To manage the operations process including disbursement, Cheque printing and maintaining and tracking all record of all disbursement and issued cheque details. To manage and process Bills for Courier agencies and Lawyers bills. Timely TVR, CIBIL checks and trigger for verifications. All TAT goals to be maintained. Disburse files only after ensuring that all documentation is complete and all relevant information, as available from app. form and PD has been entered in the system Process and Policy Compliance & Fraud Control. Monitor and ensure process and policy adherence at the branch across all levels in line with the guidelines/ policy that’s rolled out from time to time. Ensure high audit scores by reducing error chances while delivering on the policy and process requirements. Ensure proper reporting of branch defects/noncompliance. Ensure upfront screening/RCU activities. Field investigation of Disbursed/ Pre Sanction Cases as per allocation by Central team. To manage Land PDD status for connected branches with Credit hub.