Summary
Overview
Work History
Education
Skills
Timeline
Generic
Abhinav More

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

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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
Abhinav MoreCluster Credit Manager