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
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Timeline
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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