Amit Jain

Company Profile: Consulting for business expansion and Ground field services

• Established client association with 50+ clients including Banks, NBFCs, HFCs, and Fintechs
• Providing credit PD services which included on ground field business, residence and collateral visits, providing PD reports, CAM report and LIP reports & FI Reports / RCU Reports.
• Built end-to-end credit workflows with 200+ profiling parameters and digital checks including litigation check also.
• Implemented strong maker-checker systems ensuring high-quality credit reports.
• Led a team of 350+ employees across multiple regions in PAN India
• Conducted audits for NBFCs/HFCs associated with Kotak Mahindra Bank.

Company Profile: Bank established to serve underserved and unserved customer segment thereby enhancing the financial inclusion in the country

• Was a key member in the business unit of Micro Business Loans backed by security. Joined as Regional Head Credit in 2013 and elevated to Zonal Head Credit in Aug 20.
• Played key role in product development for micro business loans
• Managed ₹14,000 Cr portfolio with consistent NPA below 2.5% on yield of 14.5%. Avg Monthly disbursement of Rs 500 Cr. Held Sanction Authority of 1 Cr
• Led and managed a team of 700+ employees across multiple states (Raj, MP & CG) . Earlier managed Punjab and Maharashtra between year 2013 to 2020.
• Regularly driving team and advising on process improvements for quality enhancement.
• Monitoring of Budget v/s actual on business movement and receivables movement.
• Improved underwriting quality through training and process enhancements
• Ensured strong coordination across departments to achieve business goals

Managed credit operations for commercial vehicle loans in Gujarat

• Led and trained team for improved credit evaluation processes
• Maintained 95%+ collection efficiency in X Bucket
• Developed regional credit risk assessment strategies

Managed credit for mortgage, business, and vehicle loans.

• Held sanction authority up to ₹2 Cr
• Delivered less than 2% delinquency across 1000+ cases
• Nominated twice in July and Aug10 for Roll of Honour Award( Quarterly Award for performance) & Religare ACE award in Oct 10

• Handling Credit for Rajasthan State for Commercial Vehicles & Retail Construction Equipments segment.
• Rewarded with Extra Mile Award from Leadership team of Risk and HR for successfully making the first Risk Dashboard in June 08[ MIS containing various types of portfolio analysis].
• Promoted to State Head Credit for Rajasthan within 12 months after joining GE
• Had an approval limit of INR 50 Lacs
• Attended BELs training on leadership skills in 2008

• Handling Commercial Vehicle proposals for Jaipur, Alwar and Ajmer.
• Financial analysis and measuring the risk of proposal through Profit and Loss Account and Balance Sheet. Monthly Portfolio Analysis for the product and preparing Monthly MIS

• Responsible for supervision and finalization of credit report MIS, bank reconciliation, accounts, error MIS.
• Checking funding requirement of customers and their creditworthiness.