Ajaykumar Hirpara
Rajkot
Summary
Accomplished Credit Head with a proven track record at DS Integrated Finsec Private Limited, excelling in credit risk management and strategic planning. Demonstrated expertise in financial performance assessment and team leadership, surpassing targets by 280% at LIC of India. Skilled in Microsoft Dynamics and fostering robust lender relations, significantly enhancing credit operations.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Credit Head
DS Integrated Finsec Private Limited
Rajkot
07.2020 - Current
- Company Overview: RBI Approved NBFC
- Personal Discussions (PD) and Verification
- Approval of loan applications
- Providing quantitative and qualitative inputs to management
- Managing internal processes with high-quality credit reviews on time
- Evaluation of creditworthiness and risks
- Maintain the corporate credit policy
- Monitor progress of existing loans
- Building and maintaining healthy business relations with lenders and external agencies
- Engagement and updating of new technologies in credit line
- RBI Approved NBFC
- Products: Business Loan Unsecured, Business Loan Secured, Property Loan
- Area Serving: Gujarat Region
Credit Manager
DS Integrated Finsec Private Limited
Rajkot
10.2018 - 07.2020
- Company Overview: RBI Approved NBFC
- Credit Bureau Checks and KYC/AML Norms
- Profile study of loan customers
- Personal Discussions (PD) and Verification
- Credit Analysis
- Credit Appraisal
- Credit Sanctioning
- Preparation of reports
- Preparation of Various Product Policies
- Inspection of securities
- Pre-sanction
- Post Sanction
- Compliance
- RBI Approved NBFC
- Products: Secured and Unsecured Loans
- Area Serving: Rajkot, Shapar, Morbi, Jetpur, Jamnagar, Surendranagar
Associate
City Union Bank Ltd
Gandhidham
08.2016 - 10.2018
- Credit Appraisal and Credit Sanctioning
- PD
- Preparation of reports
- Inspection of securities
- Pre-sanction
- Post Sanction
- Post Disbursement activities
- Monitoring and managing existing credit accounts
- Maintaining open lines of communication with customers
- Other operational works i.e
- Cash Managements, CTS, Collections
- Products: All working capital products, Housing Loans, Mortgage Loans (Ticket Size : 50,00,000 – 25,00,00,000)
Business Development Executive
LIC of India
Rajkot
04.2014 - 06.2016
- Establishment and build relationship with more than 30 bank outlets
- Bancassurance expert, to provide best services
- Regular visit and proper co-ordination
- Report preparation
- Achievement: Surpassed allotted target by 280% i.e
- Rs
- 2 crore 13 Lakhs against target of Rs
- 85.00 Lakhs
Data Researcher and Analyst
Teqnomates Solutions India
Rajkot
07.2012 - 12.2013
- Collection of data from various sources according to project
- Analyzing of data and preparation of reports
- Preparation of databases of various large corporates
Education
Master of Business Administration - Finance
Gujarat Technological University
Rajkot01-2012
Bachelor of Business Administration - Finance and Marketing
Saurashtra University
Rajkot01-2010
Skills
- Financial Performance Assessment
- Team Leadership
- Credit Modelling Applications
- Strategic Planning
- Credit Risk Management
- Microsoft Dynamics
- Excel Forecasting Models
- Risk Mitigation
- Policy Development
- Underwriting Expertise
Certification
- Credit Appraisal and Credit Sanctioning
- Post Sanction and Disbursement
- Workshop on banking systems and process
Timeline
Credit Head
DS Integrated Finsec Private Limited
07.2020 - Current
Credit Manager
DS Integrated Finsec Private Limited
10.2018 - 07.2020
Associate
City Union Bank Ltd
08.2016 - 10.2018
Business Development Executive
LIC of India
04.2014 - 06.2016
Data Researcher and Analyst
Teqnomates Solutions India
07.2012 - 12.2013
Master of Business Administration - Finance
Gujarat Technological University
Bachelor of Business Administration - Finance and Marketing
Saurashtra University
Similar Profiles
Ankit GarodiaAnkit Garodia
Mixed Profile at DS KNIT INDUSTRY PRIVATE LIMITED - Comfort LadyMixed Profile at DS KNIT INDUSTRY PRIVATE LIMITED - Comfort Lady
Kumar SonuKumar Sonu
Senior Executive Maintenance Engineer at Ever-Enviro Integrated Solution Private LimitedSenior Executive Maintenance Engineer at Ever-Enviro Integrated Solution Private Limited
G.R. BALAJI G.R. BALAJI null
Assistant Vice President at INTEGRATED ENTERPRISES (INDIA) PRIVATE LIMITEDAssistant Vice President at INTEGRATED ENTERPRISES (INDIA) PRIVATE LIMITED
DHRUVRAJSINH PARMARDHRUVRAJSINH PARMAR
Area Sales Manager(Saurashtra & Kutch) at GOODYEAR INDIA LTDArea Sales Manager(Saurashtra & Kutch) at GOODYEAR INDIA LTD
Aashutosh RathodAashutosh Rathod
QMS Engineer at Orbit Bearings IND PVT LTDQMS Engineer at Orbit Bearings IND PVT LTD