AMAN RANA
Jalandhar
Summary
Dynamic Operations Manager at CREDIFIN LIMITED with a proven track record in financial analysis and compliance management. Expertly streamlined loan closure processes, achieving zero compliance gaps while mentoring a high-performing team. Adept at risk assessment and operational efficiency, driving significant improvements in asset management and credit processing workflows.
Overview
3
3
Languages
1
1
Certification
7
7
years of professional experience
Work History
Operations Manager
CREDIFIN LIMITED
Jalandhar
10.2025 - Current
- Streamlined post-closure processing to prepare and send No Objection Certificates (NOC) and No Dues Certificates (NDC) within regulatory timelines, ensuring compliance.
- Supported end-to-end loan closure processing by validating foreclosure balances, including principal, accrued interest, and prepayment penalties, for accurate payoff quotes.
- Worked with operations to complete asset charge releases, including RTO hypothecation removal and property deed release, after successful loan closure.
- Processed intake documentation for compliance verification and compliance checks for surrendered stock and repossessed inventory from defaulting accounts.
- Supported legal counsel and recovery teams with arbitration requests, legal notices, and asset seizure activities in accordance with regional lending frameworks and state laws.
- Collaborated with independent auditors to assess the market value of surrendered stock, contributing to reduction of loan loss provisions during asset auctions.
- Prepared, reviewed, and executed OEM (Original Equipment Manufacturer) and dealer agreements covering trade advances, payout structures, and subvention schemes.
Credit Manager
CREDIFIN LIMITED
Jalandhar
08.2024 - 09.2025
- Mentored a team of 4 Credit Processing Associates (CPAs), overseeing credit appraisal and underwriting workflow for auto loans.
- Managed credit assessment processes for new and existing clients.
- Evaluated financial statements to determine creditworthiness of applicants.
- Designed credit policies to minimize risk and enhance compliance.
- Managed large volumes of files across five states. across five major states, shows incredible capability.
Credit Processing Associate
CREDIFIN LIMITED
Jalandhar
01.2024 - 07.2024
- Facilitated disbursement of 300+ auto loans monthly, ensuring customer satisfaction and compliance with processing timelines.
- Processed credit applications using internal software systems for accuracy.
- Reviewed customer documentation to ensure compliance with company policies.
- Organized and maintained accurate records to support efficient loan processing and minimize errors.
- Communicated with clients to clarify credit inquiries and resolve issues.
Operation Executive
CREDIFIN LIMITED
Jalandhar
03.2023 - 12.2023
- Processed 100+ auto loan disbursements monthly to support timely loan approvals.
- Reconciled daily EMI collections and direct-debit inputs
- Oversaw the stock of surplus vehicles to support sales and operations.
- Addressed inquiries on statements of account (SOA), interest certificates, and foreclosure to ensure customer satisfaction.
Sales Coordinator
Freshways Pvt Ltd
Jalandhar
11.2019 - 02.2023
- Coordinated sales activities to enhance communication between teams.
- Assisted in developing impactful sales presentations for client meetings.
- Managed customer orders and ensured timely processing of requests.
- Managed order processing to ensure on-time delivery of products to clients.
- Maintained customer database and updated records for accuracy and accessibility.
Education
Pursuing - MBA (Banking and Financial Services)
LPU
Jalandhar, Punjab09-2026
Graduation - Bachelors of Science (Non-Medical)
DAV College
Jalandhar, Punjab01-2020
Senior Secondary - Non-medical
Govt. Model Co-Ed Senior Secondary School
Jalandhar, Punjab01-2016
Matric -
Vivekanand Day Boarding Public School
Jalandhar, Punjab01-2014
Skills
- Loan processing
- Compliance management
- Financial analysis
- Credit risk management
- Risk assessment
- Operational efficiency
- Project management
- Budget management
- Team leadership
- Data management
Languages
Punjabi
Native
Native
Hindi
Proficient (C2)
C2
English
Proficient (C2)
C2
Certification
- I have completed a one-year advanced computer diploma from a recognized institute, with a score of 69% in 2010.
Accomplishments
- Risk Ruler Award for being an outstanding performer of the year, 2024-2025.
Declaration
I hereby declare that the above-mentioned information is true and correct to the best of my knowledge and belief.
Timeline
Operations Manager
CREDIFIN LIMITED
10.2025 - Current
Credit Manager
CREDIFIN LIMITED
08.2024 - 09.2025
Credit Processing Associate
CREDIFIN LIMITED
01.2024 - 07.2024
Operation Executive
CREDIFIN LIMITED
03.2023 - 12.2023
Sales Coordinator
Freshways Pvt Ltd
11.2019 - 02.2023
Pursuing - MBA (Banking and Financial Services)
LPU
Graduation - Bachelors of Science (Non-Medical)
DAV College
Senior Secondary - Non-medical
Govt. Model Co-Ed Senior Secondary School
Matric -
Vivekanand Day Boarding Public School