Aakash Mistry
Credit Manager
Nadiad - Anand - Kathlal,Gujarat
Summary
Well versed experience in operations, client servicing and credit analysis. Effective client rapport, relationship and interaction with proactive communication. Overall 6+ Years of experience in Finance Sector. Ensuring Quality team inputs are in place to enhance greater customer satisfaction with quality output. Hands on excel and MIS reporting and presentation and analysis.
Overview
6
6
years of professional experience
Work History
Credit Manager
AU Small Finance Bank
Nadiad - Kathlal - Anand
6 2022 - Current
- Evaluating the creditworthiness of potential customers
- Handling the branches of Anand, Kathlal, Nadiad and Kheda
- Handling the Ticket Size from 5 lacs to 100 lacs
- Currently having Approval authority of Cases up to 25 Lacs for SENP Documented and Bank Salaried profile and 15 Lacs for SENP Assessed and Cash Salaried Profile
- PD Authority of up ot 35 Lacs Cases
- Having the Legal approval rights up to 20 lacs ticket size
- Maintaining records of al company loans
- Monitoring loan payments and bad debts
- Reviewing and updating the company's credit policy
- Managing the Branch Portfolio and Handling Customer queries and support them
- Ensuing the portfolio will be clean and in the benefits of company
Credit Manager
Indusind Bank Ltd
- Evaluating the creditworthiness of potential customers
- Having Approval Authority Upton Rs.15 Lacs
- Managing the Branch Portfolio and Handling Customer queries and support them
- Handled Ahmedabad Branch and Branch Geo limit 60 Kms
Credit Manager
IIFL Samasta Finance Ltd
Ahmedabad
07.2021 - 06.2022
- Credit appraisal of retail assets loan (Secured & Unsecured) applications within defined guidelines and accordingly take decisions or recommend for approval to higher authorities.
- Responsible for take appropriate credit decisions, to be aware on the general trends & updates on various industries so as to support appropriate decisions making.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
Credit Executive
MAS Financial Services Ltd
Ahmedabad
12.2019 - 11.2020
- Facilitated open communication between sales teams and credit departments to ensure a smooth application process for clients seeking financing solutions.
- Evaluated clients'' financial statements regularly to identify early warning signs of potential defaults or deteriorating financial conditions.
Sales Co coordinator
MAS Financial Services Ltd
06.2018 - 11.2019
- Established strong partnerships with other organizations leading to increased collaboration opportunities.
- Collaborated with cross-functional teams to identify opportunities for process improvement and implement solutions.
Education
MBA - Digital Finance
O P Jindal Global University
Online Learning 04.2001 -
Bachelor's of Commerce - Accounts
Gujarat University
Ahmedabad, India 04.2001 -
Skills
Team Management
Risk Analysis
Credit Reports
Performance Improvements
Credit analysis
Team Management
Personal Traits
- Excellent written and oral communication skills
- Confident, patient, positive and self-motivated
- Excellent Client Relationship skills
- Strong knowledge in MS Office, with focus on excel.
- Good at problem solving and multitasking techniques
- Ability to drive the set goals and focus on Service levels
Educationalbackground
- B.com Graduate
- Certification Course - Credit Management
- Currently Pursuing: MBA Finance
Personal Information
Date of Birth: 04/27/1998
Professional Highlights
- AU Small Finance Bank, Credit Manager, Home Loan / LAP / MBL / CPP, 06/22 to present, Evaluating the creditworthiness of potential customers., Handling the branches of Anand, Kathlal, Nadiad and Kheda., Handling the Ticket Size from 5 lacs to 100 lacs., Currently having Approval authority of Cases up to 25 Lacs for SENP Documented and Bank Salaried profile and 15 Lacs for SENP Assessed and Cash Salaried Profile., PD Authority of up to 35 Lacs Cases., Having the Legal approval rights up to 20 lacs ticket size., Maintaining records of all company loans. Monitoring loan payments and bad debts. Reviewing and updating the company's credit policy., Managing the Branch Portfolio and Handling Customer queries and support them. Ensuring the portfolio will be clean and in the benefits of company.
- Indusind Bank Ltd, Credit Manager, Affordable Home Loan, 07/2021 to 06/2022, Evaluating the creditworthiness of potential customers., Having Approval Authority Upto Rs.15 Lacs, Managing the Branch Portfolio and Handling Customer queries and support them., Handled Ahmedabad Branch and Branch Geo limit 60 Kms
- IIFL Samasta Finance Ltd, Credit Manager, Micro LAP & Unsecured BL, 11/2020 to 07/2021, Credit appraisal of retail assets loan (Secured & Unsecured) applications within defined guidelines and accordingly take decisions or recommend for approval to higher authorities., Responsible for take appropriate credit decisions, to be aware of the general trends & updates on various industries so as to support appropriate decision making.
- MAS Financial Services Ltd, Credit Executive - SME Loans, 12/2019 to 11/2020
- MAS Financial Services Ltd, Sales Co coordinator - SME Loans, 06/2018 to 11/2019
Timeline
Credit Manager
IIFL Samasta Finance Ltd
07.2021 - 06.2022
Credit Executive
MAS Financial Services Ltd
12.2019 - 11.2020
Sales Co coordinator
MAS Financial Services Ltd
06.2018 - 11.2019
MBA - Digital Finance
O P Jindal Global University
04.2001 -
Bachelor's of Commerce - Accounts
Gujarat University
04.2001 -
Credit Manager
AU Small Finance Bank
6 2022 - Current
Credit Manager
Indusind Bank Ltd
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