ABHISHEK PUNDHIR
Delhi
Summary
Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Overview
5
5
years of professional experience
Work History
Credit Manager
Moneyboxx Finance LTD
GURUGRAM
05.2022 - Current
- Product Unsecured Business loans and small ticket LAP (MSME), Responsible for the underwriting of company lease prospects & proposal to financial affiliates
- Review and prepare credit information and the structure of the information into a common presentation for approval of our financial partners
- Responsible for checking technical, legal, Search, Report & valuation Report
- Team Handling Currently handles 3 Branches based in UP
- Responsible for updating CERSAI charge on Govt Database
- Negotiated payment plans with delinquent customers to minimize losses while maintaining positive client relationships.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
- Referred delinquent accounts to collections department or outside resources.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Reviewed and updated credit policies regularly in response to changing market conditions, industry trends, and emerging risks.
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Provided training and consulted with struggling teams to help meet monthly target goals.
Credit Officer
BAJAJ FINANCE LTD
Kaushambi
10.2021 - 05.2022
- Reviewed loan files and updated to match current standards
- Worked with underwriters to fix application problems and resolve issues
- Originated, reviewed, processed, closed, and administered customer loan proposals
- Investigated and evaluated customers for credit worthiness and potential risk factors
- Check customer CIBIL and validate the KYC documents
- Reviewed professional and nonprofessional customer application
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Trained new team members on company-specific processes, ensuring consistent standards across the credit department.
Underwriter
SBI CARDS AND PAYMNNTS SERVICE LTD
GURUGRAM
12.2019 - 10.2021
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Achieved a high level of accuracy in analyzing credit applications, resulting in well-informed lending decisions and reduced financial risk.
Fraud Analyst
3iInfoTechBPO Ltd.
NOIDA
04.2019 - 10.2019
- Proficiency in Falcon and Vision plus software FAS Report
- Evaluated customer data to identify and prevent fraudulent activities.
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Tracked fraud cases and monitored trends to develop strategies for prevention.
- Performed risk assessments to determine level of fraud risk and prioritize investigations.
- Reduced fraud losses by implementing effective fraud prevention strategies and monitoring systems.
- Increased accuracy in identifying fraudulent transactions by utilizing advanced data analytics techniques and software tools.
- Maintained up-to-date knowledge of regulations related to fraud prevention, ensuring compliance with relevant laws and guidelines.
- Provided training to new team members on fraud detection techniques, enhancing their ability to identify potential threats quickly and accurately.
- Analyzed financial statements to identify discrepancies, irregularities and fraudulent activity.
- Reviewed transactions and receipts to identify any suspicious activity.
Education
M.COM -
Agra University
B.COM -
Agra University
XIIth -
S.K.M Inter College Kasganj
Xth -
Harname Singh Hr Sec School Salempur Pironda
Skills
- Good Interpersonal and communication skills
- Proficient leadership, persuasive, administrator, and managerial skills
- Emotional competence and positive attitude
- Application Review
- Investigations
- Risk Assessments
- Cash Flow Management
- Credit analysis
- Staff Training
- Loan Processing
- Credit Reports
Personal Information
- Father's Name: Uday Pal Singh
- Date of Birth: 01-Aug-1998
- Gender: Male
- Marital Status: Married
Additional Qualification
Proficiency in Power point and other MS office tools. Basic Knowledge of MS EXCEL.
Hobbies and Interests
- Reading books & listening music
- Walking
Disclaimer
I hereby, declare that above information provided by me is true to best of my knowledge.
Additional Information
- Awarded Employee of the Quarter 2 times in the financial year 2022-2023
- FY 2022-2023 awarded by Rising star
- FY 2023-2024 Awarded one time Employee of the Quarter.
Languages
English
Upper intermediate (B2)
Hindi
Bilingual or Proficient (C2)
Timeline
Credit Manager
Moneyboxx Finance LTD
05.2022 - Current
Credit Officer
BAJAJ FINANCE LTD
10.2021 - 05.2022
Underwriter
SBI CARDS AND PAYMNNTS SERVICE LTD
12.2019 - 10.2021
Fraud Analyst
3iInfoTechBPO Ltd.
04.2019 - 10.2019
M.COM -
Agra University
B.COM -
Agra University
XIIth -
S.K.M Inter College Kasganj
Xth -
Harname Singh Hr Sec School Salempur Pironda