AJAY SINGH PANWAR
MOKAMPURA RANI PALI RAJASTHAN
Summary
Experienced Credit Manager with a proven track record in optimizing credit policies and
risk management to support business objectives. Demonstrates a strong ability in
document review, lending activity analysis, and regulatory compliance. Known for
building lasting customer relationships and leading teams to achieve monthly targets.
Excels in fast-paced environments, ensuring profitable and error-free operations.
Overview
7
7
years of professional experience
Work History
Credit Manager
Annapurna Finance Pvt. Ltd. - MSME
Falna Pali Rajasthan
09.2023 - Current
- Preparation of CAM (Credit Appraisal Memorandum) and calculation of eligibility of customer through documents (Personnel Discussion) and judge business stability and financial understanding.
- Personally visit the Customer property and Business for Business verification in Self-Employed cases.
- Credit Assessment - Loan eligibility assessment of customers by their source of income and repayment history.
- Researching the history of clients in order to understand their previous credit situations and negotiating with the clients in case of any problem in the credit payment.
- Communicating with the banks and other credit firms to analyze each client's credit issues.
- Independently conducted credit analysis according to policy and making sound credit decisions, and creating terms and conditions for each client.
- Maintained quality branch portfolio and disbursal activity to achieve monthly targets.
- Maintained various registers such as cash book, PDC, property paper, audit compliance, and visitor.
Branch Credit Officer
Aye Finance Pvt. Ltd.
Pali Rajasthan
11.2022 - 09.2023
- Reviewed credit applications and financial statements to determine customer creditworthiness.
- Analyzed customer accounts, payment trends, and credit ratings to assess risk of default.
- Prepared detailed reports summarizing customer profiles, risk assessments, and recommendations for approval and denial of new lines of credit.
- Worked closely with collections departments in order to ensure timely payments from customers.
- Collected and checked borrower income, credit history and employment information.
- Reviewed loan file data prior to planning visits.
- Assessed customer's eligibility.
- Sending cases to HO department for processing and disbursement.
Associate Relationship Manager
IDFC FIRST Bank Ltd.
Sumerpur Rajasthan
02.2020 - 11.2022
- Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
- Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
- Initiated contact with clients to provide information about loan programs, rates, terms and conditions.
- Organized physical and digital files in an efficient manner.
- Resolved any issues related to incorrect or incomplete filing.
Branch Relationship Officer
ICICI Bank Ltd.
Rani Rajasthan
01.2018 - 10.2019
- Developed and maintained relationships with potential customers to increase loan business.
- Ensured timely collection of overdue payments from debtors.
- Provided guidance on loan products, savings accounts, investments, and other banking services.
- Advised customers on various banking products and services such as loans, investments, and credit cards.
- Analyzed customer's financial information to determine the best banking products for them.
Education
Bachelor of Arts -
SPU College (JNVU Jodhpur)
Falna Pali07-2015
12th -
Govt Sr Sec School (RBSE Ajmer)
Rani Pali Rajasthan05-2012
10th -
Mahaveer Ser Sec School (RBSE Ajmer)
Rani Pali Rajasthan06-2010
Skills
- Sales proficiency
- Investigations
- Credit evaluations
- Credit risk management
- working on a TAT basis
- Maintaining error-free performance
- Detailed Case Review
- Installment Payment Management
- Underwriting expertise
- Fraud prevention
- Build customer relationships
- Adaptability
- Time management abilities
- Portfolio Management
- Market Trend Analysis
- Team Management
- Business activity tracking
Accomplishments
- JFM runner up in IDFC FIRST BANK LTD 2021-22
- JFM Qualifier in IDFC FIRT BANK LTD 2022-23
Languages
Hindi
First Language
Timeline
Credit Manager
Annapurna Finance Pvt. Ltd. - MSME
09.2023 - Current
Branch Credit Officer
Aye Finance Pvt. Ltd.
11.2022 - 09.2023
Associate Relationship Manager
IDFC FIRST Bank Ltd.
02.2020 - 11.2022
Branch Relationship Officer
ICICI Bank Ltd.
01.2018 - 10.2019
Bachelor of Arts -
SPU College (JNVU Jodhpur)
12th -
Govt Sr Sec School (RBSE Ajmer)
10th -
Mahaveer Ser Sec School (RBSE Ajmer)
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