Ambrish Deshpande
Home Loan Professional
Mumbai,MH
Summary
Organized Team Leader builds positive rapport, inspire trust and guide teams toward achievement of organizational goals. Strong facilitator adept at working cross-departmentally with co-management and top-level leadership. Excellent trainer and mentor.
Always ready to take New Assignments, New learnings and ready to sharpen the Skills.
Overview
20
20
years of professional experience
3
3
Languages
6
6
years of post-secondary education
Work History
Credit Team Leader (Area Credit Manager)
IDFC FIRST BANK
02.2019 - Current
- Supervising and mentoring a team of credit underwriters, providing guidance, and ensuring performance standards are met.
- Ensuring consistent application of the credit policy and identifying deviations or exceptions for decision-making.
- Evaluating the creditworthiness of potential and existing customers, including financial analysis, risk assessment, and verifying customer information.
- Managed conflict resolution among team members, fostering a positive and collaborative work environment.
- Established open and professional relationships with team members to achieve quick resolutions for various issues.
- Empowered team members by delegating responsibilities according to individual strengths and areas of expertise.
- Collaborated with other department leaders to establish shared goals and ensure alignment across teams.
- Mentored junior staff members, helping them develop their leadership potential and advance in their careers.
- Enhanced team productivity by implementing efficient work processes and regularly reviewing performance metrics.
- Analyzing credit data, generating reports, and identifying trends or issues.
- Ensuring compliance with regulatory requirements and internal policies.
- Managing Bounce Collections for First 12 Months.
Area Credit Manager
Incred Housing Finance Pvt. Ltd.
05.2018 - 02.2019
- Started Business Location and Empanelled Vendor for Smooth functioning of Business.
- Contributed to company growth by developing innovative strategies for attracting new clients within target industries.
- Developed strong relationships with prospective clients to promote business growth and expansion.
- Analyzed market data to identify new business opportunities within the region, contributing to increased market share and overall revenue growth.
- Streamlined the application review process, resulting in faster credit decisions for clients.
- Collaborated with sales teams to ensure alignment of credit policies and sales strategies.
Area Credit Manager
Capri Global Housing Finance Ltd.
09.2017 - 04.2018
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Reviewed and analyzed loan procedures.
- Analyzing and Approving Affordable Home Loan Proposals upto 25.00 Lakhs.
- Visiting the New Locations with Sales for Business Prospects.
- Managing NST & Bucket Cases.
Area Credit Manager
Aadhar Housing Finance Ltd.
05.2016 - 09.2017
- Started Maharashtra Location and managed multiple branches.
- Conducted Regular Trainings for newly joined staff.
- Set performance expectations for the team, monitoring progress towards goals and providing constructive feedback as needed.
- Empanelled & Monitored Legal, Technical & CPV Vendors for all the Locations in Maharashtra.
- Set Process for Hub & Spoke Location.
Credit Manager
Aadhar Housing Finance Ltd.
02.2013 - 05.2016
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
- Mentored junior team members in credit management best practices to enhance overall department performance.
Manager Underwriting
India Shelter Finance Corporation Ltd.
07.2012 - 11.2012
- 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.
- Regularly Visiting the Locations for Business Support and Cases visit.
Credit Manager
Fullerton India Credit Credit Ltd.
11.2010 - 07.2012
- Underwriting Credit Proposals of Personal Loans, Business Loans and Two Wheeler Loans.
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
- Doing Collections for NST and Flow cases.
- Managing Quality Portfolio and getting A++ & A+ Rating in Audit .
- Helping Sales in conducting monthly Marketing Activity.
Retail Office Incharge (Branch Manager)
Gruh Finance Limited
10.2005 - 11.2010
- Started Carrier as Customer Care Executive and doing Accounting and Operation work.
- Post that started doing PD & Technical visit in Bhopal & Remote Locations.
- Done Accounts and System Training for Newly Joined staff at other locations of Madhya Pradesh.
- After 3 Years Promoted as Branch In-charge and Started Handling Individually Spoke location branch.
- Developed Business and Underwriting and approving the cases within Authority and recommending the High value cases to Area & Regional Managers.
- Also managing Bounces and collections of our location.
- Also managing all Day to Day Activity of our location.
Education
MBA - FINANCE & INTERNATIONAL BUSINESS
RAI BUSINESS SCHOOL
BHOPAL 08.2003 - 06.2006
Bachelor of Commerce - Accounting & Taxation
RAJEEV GANDHI COLLEGE
BHOPAL 08.1999 - 07.2002
Skills
People management
Affiliations
- Attended 2 Days Training Session on Step up to Lead.
- Attended Training Session on SARFAESI Act. conducted by the company.
- Attended Training Program of NHB.
Timeline
Credit Team Leader (Area Credit Manager)
IDFC FIRST BANK
02.2019 - Current
Area Credit Manager
Incred Housing Finance Pvt. Ltd.
05.2018 - 02.2019
Area Credit Manager
Capri Global Housing Finance Ltd.
09.2017 - 04.2018
Area Credit Manager
Aadhar Housing Finance Ltd.
05.2016 - 09.2017
Credit Manager
Aadhar Housing Finance Ltd.
02.2013 - 05.2016
Manager Underwriting
India Shelter Finance Corporation Ltd.
07.2012 - 11.2012
Credit Manager
Fullerton India Credit Credit Ltd.
11.2010 - 07.2012
Retail Office Incharge (Branch Manager)
Gruh Finance Limited
10.2005 - 11.2010
MBA - FINANCE & INTERNATIONAL BUSINESS
RAI BUSINESS SCHOOL
08.2003 - 06.2006
Bachelor of Commerce - Accounting & Taxation
RAJEEV GANDHI COLLEGE
08.1999 - 07.2002
Languages
English
Upper intermediate (B2)
Hindi
Bilingual or Proficient (C2)
Marathi
Advanced (C1)
Watching Old Movies, Listening Songs, Travelling
Love to Watch Movies and Listening Old Songs, which have indebt meanings. GURU (Abhishek Bachhan) is favorite movie as it inspires and provokes a person to take Risk and Learn from the Losses.
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