Ajit Mathpatti
Pune
Summary
Accomplished financial professional with over 22 years of experience in credit management and banking, delivering operational excellence and profitability. Expertise in credit analysis, risk assessment, and team leadership drives effective collaboration across departments, enhancing financial processes and ensuring low delinquency rates. Proficient in interpreting complex financial data, generating strategic insights that facilitate business growth while aligning consumer needs with institutional objectives. Committed to nurturing relationships and developing impactful financial solutions, ready to leverage extensive banking acumen and analytical skills in a Financial Analyst role.
Credit management professional with extensive experience in driving financial performance and managing credit risk.
Overview
26
26
years of professional experience
Work History
Regional Credit Manager -Retail Asset Business-HL-LAP
Hero Housing Finance
10.2023 - 06.2024
- Credit Assessment.
- Serving as a liaison between the collection department and Technical. Legal team.
- PDD management/Collection /Legal activity.
- Collection and Legal Activity
- Team Handling
- Decision-making within defined TAT, understanding market realities concerning industry and unsecured credit.
Zonal Credit Manager -Retail Asset Business
ICICI Bank Ltd
05.2017 - 05.2022
- Credit Assessment.
- Serving as a liaison between the collection department and credit office.
- Analyse credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
- Builder & Advocate Visits.
- Regular feedback to Sales/Collection Manger Using all MIS which for managing the portfolio in terms of keeping low delinquencies & NCL.
- Investigating the competition's credit offering and market sets targeted to seek competitive advantage.
- Coordinating with sales, verification agency, Legal agency and operations, and Collection.
Regional Credit Manager
Fedbank Financial Services Ltd
05.2015 - 09.2016
- Credit Assessment.
- Serving as a liaison between the collection department and credit office.
- Analyse credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Regular feedback to Sales/Collection Manger Using all MIS which for managing the portfolio in terms of keeping low delinquencies & NCL.
- Coordinating with sales, verification agency, Legal agency and operations, Collection.
Regional Credit Manager
ICICI Bank Ltd
07.2007 - 05.2015
- Credit Assessment.
- Analyse credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
- Decision making within defined TAT, understanding market realities with respect to industry and unsecured credit.
- Coordinating with sales, verification agency, and operations.
- Processing of vendor payments and analysing the same with respect to the profit centre operations.
- Preparing MIS reports as per business intelligent unit formats and as per policy required.
- For ICICI Bank-Authorised SOX attester for Jalgaon, Nashik, Pune branch for all products.
- As per all India Credit Manager Ranking - as on date Rank is 8 out of 257 Credit Manager.
- Top Credit Manger award received in March -2011 and July-2012.
- Ranking received in TOP 10 BCM-from Pan India, three times in.
Area Sales Officer
Wright India Ltd (Emami Ltd)
12.2003 - 07.2006
- Managing Primary and Secondary sales in the region.
- Achieving Volume/Value targets by managing a team of sales executives.
- Working Capital Management of Stockiest & Distributors and ensuring a healthy ROI.
- Saved costs by effectively negotiating vendor prices, terms of sales and service agreements.
Area Sales Executive
Reflect Pens
07.2001 - 11.2003
- Super stockiest appointment.
- Distributor appointment as per the area.
Sales Officer
Kores India Ltd
06.1998 - 06.2001
- Retailing, wholesale Distributor appointment.
Education
MBA -
Shivaji University
01.1998
Financial Modelling Equity Research - undefined
Finxl Business School
06.2025
Business Analysis Certified Professional - undefined
Imarticus Learning
Mumbai, MH10.2016
B.Sc. - undefined
Shivaji University
01.1996
Skills
- Financial analysis modeling
- Equity analysis
- Financial forecasting techniques
- Proficient in financial statement evaluation
- Data visualization for financial analysis
- KPI tracking and reporting
- Trend analysis using data
- Financial ratio analysis
- Revenue enhancement techniques
- DuPont Analysis
- Industry trend assessment
- Core accounting concepts
- Valuation using discounted cash flow
- Market-based valuation
- Credit risk analysis
- SOX regulatory adherence
- Management of DMA and DST channels
- Retail banking expertise
- Sales & Business Process Improvement
- Legal procedures
- Guiding emerging professionals
- Proficient in data analysis using Excel
- Proficient in Word
- Powerpoint
- Management information systems
- Debt securitization
- Debt modification expertise
- Relationship management
- Credit policy development
- Portfolio management
- Cash flow analysis
Personal Information
- Title: FINANCIAL ANALYST
- Date of Birth: 13/03/1975
- Nationality: Indian
Timeline
Regional Credit Manager -Retail Asset Business-HL-LAP
Hero Housing Finance
10.2023 - 06.2024
Zonal Credit Manager -Retail Asset Business
ICICI Bank Ltd
05.2017 - 05.2022
Regional Credit Manager
Fedbank Financial Services Ltd
05.2015 - 09.2016
Regional Credit Manager
ICICI Bank Ltd
07.2007 - 05.2015
Area Sales Officer
Wright India Ltd (Emami Ltd)
12.2003 - 07.2006
Area Sales Executive
Reflect Pens
07.2001 - 11.2003
Sales Officer
Kores India Ltd
06.1998 - 06.2001
Financial Modelling Equity Research - undefined
Finxl Business School
Business Analysis Certified Professional - undefined
Imarticus Learning
B.Sc. - undefined
Shivaji University
MBA -
Shivaji University
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