Abhinav More
Cluster Credit Manager
Satna
Summary
Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 12 years of financial industry expertise.
Overview
13
13
years of professional experience
5
5
years of post-secondary education
Work History
Cluster Credit Manager
AU Small Finance Bank Ltd.
Satna
03.2023 - Current
- Planning Monthly credit training.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
Territory Credit Manager
Fullerton India Finance Co.Ltd.
Bhopal
06.2022 - 03.2023
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Monitored accounts for signs of fraud and non-payment issues.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Referred delinquent accounts to collections department or outside resources.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reviewed and analyzed loan procedures.
Area Credit Officer
Axis Bank Ltd
Sagar
09.2019 - 05.2022
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Recommended approval or disapproval of Agri based cases of Individual capacity as well as Non Individual capacity.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Organized and finalized loan applications for underwriter review.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Adhered to banking standards and government lending guidelines for loan services.
Credit Manager Agri Lending
HDFC Bank Ltd
Jabalpur
01.2016 - 09.2019
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Reviewed and analyzed loan procedures.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Streamlined processes for early identification of potential credit system and monitoring problems.
Credit Manager-SME
Vistaar Financial Services Ltd
Bilaspur
07.2014 - 01.2016
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Monitored accounts for signs of fraud and non-payment issues.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Referred delinquent accounts to collections department or outside resources.
Senior Risk Officer
Gramshakti Fullerton India Co.Ltd.
Godhra
10.2012 - 06.2014
- Studied front line risk acceptances to identify avenues for improvement to new and existing business initiatives.
- Served as subject matter expert for development and implementation of corrective action plans where substantial unnecessary loss resulted regularly from current policy.
- Produced and analyzed scorecards and other performance management tools to identify and mitigate risk exposure and monitor progress towards stated project goals.
- Influenced appropriate risk management prioritization on front lines to promote strategic objectives while meeting operational risk program expectations.
- Coordinated ongoing efforts to strengthen risk culture and fine-tuned risk appetite for lending and funding activities.
- Looked at current and new merchants and individual sales to evaluate fraud, chargeback and compliance risks.
Field Executive- Micro Lending
BASIX-Bhatiya Samrudhi Finance Ltd
Jalgaon
01.2010 - 03.2012
- Developing monthly plan for 5 allocated areas under my territory.
- Training the front line sales staff and ensuring achievement of monthly targets.
- Preparing Monthly Collection plan.
- Appraisal of credit proposal generated by sales staff on daily basis and presenting the same in front of Branch Manager for further sanction.
- Pre and Post disbursement followup with sales team.
- Cross selling of assigned insurance product through sales staff.
Education
B.COM. - Accounts And Finance
TRS Excellence College
Rewa 04.2003 - 04.2006
MBA - Finance And Marketing
ICFAI National College
Rewa 04.2007 - 04.2009
Skills
Credit reports
undefinedTimeline
Cluster Credit Manager
AU Small Finance Bank Ltd.
03.2023 - Current
Territory Credit Manager
Fullerton India Finance Co.Ltd.
06.2022 - 03.2023
Area Credit Officer
Axis Bank Ltd
09.2019 - 05.2022
Credit Manager Agri Lending
HDFC Bank Ltd
01.2016 - 09.2019
Credit Manager-SME
Vistaar Financial Services Ltd
07.2014 - 01.2016
Senior Risk Officer
Gramshakti Fullerton India Co.Ltd.
10.2012 - 06.2014
Field Executive- Micro Lending
BASIX-Bhatiya Samrudhi Finance Ltd
01.2010 - 03.2012
MBA - Finance And Marketing
ICFAI National College
04.2007 - 04.2009
B.COM. - Accounts And Finance
TRS Excellence College
04.2003 - 04.2006
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