Summary
Overview
Work History
Education
Skills
Personal Information
Timeline
Generic

Ajit Vijay Badade

-
Pune

Summary

Professional, prepared manager with high standards and focus on results. Proven ability to lead teams, adapt to changing needs, and drive performance in multiple locations. Strong skills in strategic planning, operations management, and team collaboration. Known for reliability, flexibility, and results-driven approach.

Overview

20
20
years of professional experience
4006
4006
years of post-secondary education
3
3
Languages

Work History

Sr. Cluster Manager

Bajaj Finserv
Pune
03.2022 - Current
  • Identified potential risks or issues related to business continuity early on through proactive monitoring measures allowing for swift resolutions before escalation occurred.
  • Achieved higher team performance by implementing effective coaching and mentoring strategies for cluster staff.
  • Increased customer satisfaction by addressing client concerns promptly and implementing appropriate solutions.
  • Monitored facility managers and staff performance through quarterly review assessments.

Cluster Manager

Bajaj Finserv
Pune
03.2021 - 11.2022
  • Conducted regular performance evaluations for all employees to recognize achievements, address challenges, and facilitate professional growth.
  • Monitored data analytics to identify trends, opportunities, and areas of improvement within the cluster operations.
  • Led training initiatives that enhanced employee skills, knowledge base, and productivity levels across various functions within the organization.
  • Developed efficient operational processes to optimize resources and improve overall cluster performance.

Area Manager

Bajaj Finserv
Pune
08.2019 - 02.2021
  • Developed strong relationships with clients, leading to increased customer satisfaction and repeat business.
  • Improved overall efficiency by identifying areas in need of improvement and implementing necessary changes.
  • Coordinated with various departments to facilitate smooth communication, enhancing operational effectiveness.
  • Led a team to achieve company goals and exceed targets consistently, fostering a positive work environment.
  • Continuously improved operational procedures through ongoing evaluation of existing practices, incorporating feedback from team members and adopting industry best practices.
  • Conducted regular performance evaluations to identify areas for improvement and develop action plans for growth.
  • Mentored junior staff members, providing guidance on best practices and professional development opportunities.

Manager

Bajaj Finserv
Pune
05.2017 - 07.2019
  • Managed and motivated employees to be productive and engaged in work.
  • Accomplished multiple tasks within established timeframes.
  • Maximized performance by monitoring daily activities and mentoring team members.
  • Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.

Asst. Manger

BAJAJ FINSERV
07.2015 - 05.2017
  • Company Overview: (PLCS-Telebinding)
  • Understand income documents and arrive at the eligibility of Applicant.
  • Calculating loan eligibility of salaried Individuals.
  • Financials Analysis – Calculating IIR (Installment income Ratio), FOIR (Fixed obligation income ratio).
  • Maintain TAT on same day Decision.
  • Bounce % monitoring on TBD cases.
  • Volume Achievement & Approval rate.
  • Good hand over application system like Sales-Force, Finnone.
  • Enter property details in Finone system.
  • Process QDP for Consent Received Cases with prior Recheck of bank & in Favor Detail.
  • (PLCS-Telebinding)

Sr. Credit Executive

AXIS BANK LTD.
01.2014 - 07.2015
  • Company Overview: (Home Loan Dept. Pune) (AXIS SECURITIES LTD.)
  • Perform a login check both financials and property documents as per policy.
  • Trigger FI, BS and PS verification. Compile FI report.
  • Enter relevant fields basic data entry in system.
  • Understand income documents and arrive at the eligibility of Applicant.
  • Calculating loan eligibility of salaried Individuals.
  • Calculating loan eligibility in cases of Vanilla Personal loan, Balance Transfer, Top-up, Step down, Banking Surrogate cases.
  • Financials Analysis – Calculating IIR (Installment income Ratio), FOIR (Fixed obligation income ratio).
  • Perform details data entry and quality check of data entry activity done.
  • Analyzing credit history of customer through personal and commercial Cibil.
  • Send the RCU check and send the file to credit manager post completion of check.
  • Print CAM and Sanction letters.
  • Maintain daily login MIS and Approval MIS.
  • Good hand over application system like CAS, Finnone.
  • Enter property details in Finone system.
  • Update Legal. Technical data entry completion time. LTV Calculation in excel based tracking tool.
  • Check all disbursement documents for completeness.
  • Record the app id in the excel based tracking tool to capture the login time.
  • In case of discrepancies, record the queries in the excel based tracking tool.
  • Complete disbursal date entry in finone.
  • Enter the app id in excel based tracking tool to capture date entry completion time.
  • (Home Loan Dept. Pune) (AXIS SECURITIES LTD.)

Sr. Credit Executive

AXIS BANK LTD.
09.2011 - 01.2014
  • Company Overview: (Personal Loan Dept. Pune) (AXIS SECURITIES LTD.)
  • Perform a login check both financials and property documents as per policy.
  • Trigger FI, BS and PS verification. Compile FI report.
  • Enter relevant fields basic data entry in system.
  • Understand income documents and arrive at the eligibility of Applicant.
  • Calculating loan eligibility of salaried Individuals.
  • Calculating loan eligibility in cases of Vanilla Personal loan, Balance Transfer, Top-up, Step down, Banking Surrogate.
  • Financials Analysis – Calculating IIR (Installment income Ratio), FOIR (Fixed obligation income ratio).
  • Perform details data entry and quality check of data entry activity done.
  • Analyzing credit history of customer through personal and commercial Cibil.
  • Send the RCU check and send the file to credit manager post completion of check.
  • Print CAM and Sanction letters.
  • Maintain daily login MIS and Approval MIS.
  • Good hand over application system like CAS, Finnone.
  • Enter property details in Finone system.
  • Update Legal. Technical data entry completion time. LTV Calculation in excel based tracking tool.
  • Check all disbursement documents for completeness.
  • Record the app id in the excel based tracking tool to capture the login time.
  • In case of discrepancies, record the queries in the excel based tracking tool.
  • Complete disbursal date entry in finone.
  • Enter the app id in excel based tracking tool to capture date entry completion time.
  • (Personal Loan Dept. Pune) (AXIS SECURITIES LTD.)

CPA Manager

ICICI BANK LTD
10.2010 - 09.2011
  • Company Overview: (Personal Loan) (Uttam Associates, I-Process Services Pvt. Ltd)
  • Perform a login check both financials and property documents as per policy.
  • Calculating loan Eligibility of salaried Individuals, Self – Employed Professional and Non Professionals.
  • Financials analysis - calculating FOIR - (fixed obligation Income Ratio), Debt/Net worth Ratio, Current Ratio.
  • Banking calculation including monthly credits, debits, inward and outward cheque returns, existing loan repayment in banking.
  • Analyzing credit history of customer through personal and commercial CIBIL.
  • Good hand over application systems like APS, Fin-one.
  • Approval from Credit Manager for the Disbursement purpose.
  • Co-Ordination between Credit, Sale department and higher approval authorities.
  • (Personal Loan) (Uttam Associates, I-Process Services Pvt. Ltd)

Credit Executive

BAJAJ AUTO
07.2009 - 08.2010
  • Company Overview: (Auditor) (Astute Management.)
  • LTV Calculation in excel based tracking tool.
  • Perform a Post Disbursement check both financials documents as per policy.
  • (Auditor) (Astute Management.)

Credit Executive

ICICI BANK LTD
10.2006 - 03.2008
  • Company Overview: (Farmer Finance Dept.) (Team Lease.)
  • Checking the customers application forms at the time of Login Process.
  • Solving all queries at the time of Login and Credit Process.
  • CAM Generation (In cam generation process prepare customers Loan Eligibility).
  • (Farmer Finance Dept.) (Team Lease.)

Credit Executive

ICICI BANK LTD
06.2005 - 10.2006
  • Company Overview: (Personal Loan Dept.) (Sumathi Finance.)
  • Checking the customers application forms at the time of Login Process.
  • Solving all queries at the time of Login and Credit Process.
  • CAM Generation (In cam generation process prepare customers Loan Eligibility in PL).
  • (Personal Loan Dept.) (Sumathi Finance.)

Education

Graduate - Commerce stream, Banking and Finance

Pune University
Pune, India
04.2001 - 01.2005

HSC -

Maharashtra State Board
Pune
03.2002

SSC -

Maharashtra State Board
Pune
03.2000

Skills

Operational efficiency management

Product launches

Corporate communications

Strategic workforce planning

Effective team leadership

Optimistic mindset

Personal Information

  • Date of Birth: 03/22/83
  • Gender: Male
  • Nationality: Indian
  • Marital Status: Married

Timeline

Sr. Cluster Manager

Bajaj Finserv
03.2022 - Current

Cluster Manager

Bajaj Finserv
03.2021 - 11.2022

Area Manager

Bajaj Finserv
08.2019 - 02.2021

Manager

Bajaj Finserv
05.2017 - 07.2019

Asst. Manger

BAJAJ FINSERV
07.2015 - 05.2017

Sr. Credit Executive

AXIS BANK LTD.
01.2014 - 07.2015

Sr. Credit Executive

AXIS BANK LTD.
09.2011 - 01.2014

CPA Manager

ICICI BANK LTD
10.2010 - 09.2011

Credit Executive

BAJAJ AUTO
07.2009 - 08.2010

Credit Executive

ICICI BANK LTD
10.2006 - 03.2008

Credit Executive

ICICI BANK LTD
06.2005 - 10.2006

Graduate - Commerce stream, Banking and Finance

Pune University
04.2001 - 01.2005

HSC -

Maharashtra State Board

SSC -

Maharashtra State Board

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