Ashwinikumar Sankhala
“To continuously and relentlessly adapt myself to industry dynamics and
trends in the routine work of the business organization that I am
associated with and aggressive follow professional growth while building
competencies.”
SKILLS
Well-versed with key terms in Consumer CIBIL and Commercial CIBIL
reports
Sound knowledge on banking part from a Credit underwriting
viewpoint
Well-informed with regard to key assessment of loanapplication
Working knowledge of documentation required for assessment of
business loan
Fair understanding about various aspects of audit report
CONTACT WORK EXPERIENCE
MOBILE: Yes Bank LTD;- Sales Manager (Micro LAP) (Loan Amount Upto 100
+91-9725279486 Lakhs)
Birth Date : Feb-2024 To Present
19/07/1996
* Creating and implementing strategies to achieve sales targets for various loan
EMAIL: products.
* Managing a team of sales representatives, providing coaching, training, and
sankhala222@gmail.comHometown:Ahmedabad (Area:
performance evaluations to enhance their skills and productivity.
Bapunagar)
* Ensuring high levels of customer satisfaction and resolving any issues that may arise
Extra Qualities and Traits during the loan process.
Networking skills
Adaptive to new surroundings * Organizing training sessions for the sales team on product knowledge, sales
Skillful at finding anomalies and techniques, and industry regulations.
variances in daily operations
* Working with other departments (e.g., underwriting, marketing) to ensure a seamless
Tremendous patience in accomplishing
desired outcome and coveted goals customer experience and alignment of sales initiatives.
Projects undertaken to Date INDUSIND BANK LTD.- Relationship Manager Affordable Home Loan & LAP
Analysis of various ratios of mid-capand (Loan Amount upto 50 Lakhs)
small cap companies as part of MBA
program April-2023 to Feb - 2024
Deep dive into Financial products and Acquire new retail clients through developing professional relationships
instruments form part of Indian Financial based on trust, empathy, credibility and ethical conduct.
Markets in Summer Internship Project Advise retail clients on their personal financial needs and objectives by
Comprehensive Project on differentaspects analysing their financial needs and objectives, recommend suitable in-house
of Mergers & Acquisitions, including legal 'off the shelf' financial solutions, and execute clients' instructions on their
issues, regulatory approvals, among other banking and financial transactions.
significant facets
Perform acceptance checks and on-boarding of retail clients in accordance
with established policies and procedures.
Perform ongoing servicing of retail client accounts and identify any potential
opportunities for extending basic loan services .
Process of log in to disbursement via coordination to credit,Legal and
Techinical.
Filling Agreements of Home loan and LAP as per banking policy.
Follow stringent banking protocols and policies
MAS Financial Services Limited – Credit Analyst (SME- Unsecured Business
Loan Product) (Loan Amount Upto Rs. 35 Lacs- Eligibility derived from
Banking and GST)
April-2022 to April-2023
Preparation of CAM(Credit Approval Memo)
CAM includes all details including, bank statement analysis, financials,
key financial current loan obligations of client, key details about non-
payment of cheques found from banking, previous loan track record
from CIBIL, among other things
Analyzing all types of documents in detail relating to credit underwriting including
KYC, GST, Banking, CIBIL, ratios, Audited Financials to derive eligibility of loan
application as well as loan .
AS FINANCIAL SERVICES
May 2018 – March 2022
Visit client office for personal to understand the business model before
putting it for approval.
Conducting on-sight/call based due-diligence.
Thorough analysis of the proposal considering company supplier`s
Conducting on-sight/call based due-diligence.
Thorough analysis of the proposal considering company supplier`s
credit policy and borrower`s industry /market situation
Maintain cordial relationship with other departments, manage queries
and support miscellaneous initiatives.
To plan the products to achieve IRR as per companies cost of fund.
To assist in competitive analysis for the product in the market.
To design documents required list/Checklist for the products.
Internship: (Constituted part of PGDM program)
PK Darji &Co.
`
EDUCATION:
Bachelor of Commerce [Advanced Accounting and Auditing]
College: N M Zalaa (GU)
Graduated: May 2018 – Second Class
Bachelor of Business Management
Collage; Naryana Business School
Graduated; May 2019- First Class
PGDM ; Naryana Business School
2022- First Class
