Ajay Nagar
Ahmedabad
Summary
Credit Officer with extensive experience at Cholamandalam Investment and Finance Company, excelling in risk analysis and loan processing. Proven track record in enhancing credit approval efficiency and mitigating risks through meticulous documentation review and strong client relationship management. Adept at collaborating with teams to drive results in high-pressure environments.
Overview
5
5
years of professional experience
Work History
Credit Officer
Cholamandalam investment and finance company Ltd
Ahmedabad
05.2024 - Current
- Assessed creditworthiness of applicants through detailed financial/banking analysis.
- Reviewed loan applications and supporting documents for compliance with policies.
- Collaborated with sales teams to streamline credit approval processes.
- Monitored outstanding loans to identify and mitigate potential risks.
- Collected and checked borrower income, credit history and employment information.
- Analyzed customer accounts, payment trends, and credit ratings to assess risk of default.
Credit processing associate
ICICI Bank
Surat
03.2023 - 05.2024
- Day to day Disbursements
- Maintain MIS
- Solve Queries
- Coordination with sales team
- Processed credit applications efficiently and accurately within established timeframes
- Knowledge of Home loan
- Knowledge of LAP loan, Land loan, top-up loans, New car and used car loans
Billing coordinator
Pacifica Companies
Ahmedabad
02.2022 - 01.2023
- Company Overview: Real Estate
- Conducted regular audits of billing records to maintain compliance with regulatory requirements and reduce billing errors
- Billing process of vendors
- Coordination with accounts department
- Processed and verified accuracy of invoices, billings, and financial statements for clients
- Real Estate
Billing executive
Everyday lighting company
Ahmedabad
01.2021 - 12.2021
- Making Good qualities wires and electronic accessories.
- Managed billing process for a portfolio of clients, ensuring accuracy and timeliness in invoice generation
- Managed accurate and timely billing processes for a high-volume customer base
Education
Master of commerce -
Gujarat University
Ahmedabad 10.2020 - 10/2022
Bachelor of commerce -
Gujarat University
Ahmedabad 05.2017 - 04/2020
HSC -
GHSEB
SSC -
GHSEB
Skills
- Client relationship management
- Risk analysis
- Loan processing
- Customer relationship management
- Banking regulations knowledge
- MIS management
- Team collaboration
- Loan disbursements
- Credit analysis
- Documentation review
- Problem solving
Personal Information
Date of Birth: 01/06/00
Timeline
Credit Officer
Cholamandalam investment and finance company Ltd
05.2024 - Current
Credit processing associate
ICICI Bank
03.2023 - 05.2024
Billing coordinator
Pacifica Companies
02.2022 - 01.2023
Billing executive
Everyday lighting company
01.2021 - 12.2021
Master of commerce -
Gujarat University
10.2020 - 10/2022
Bachelor of commerce -
Gujarat University
05.2017 - 04/2020
HSC -
GHSEB
SSC -
GHSEB