Anand B. Chimote
Area Credit Manager
Nagpur
Summary
Desires to have positions of responsibility where my professional education & skill would be utilized in career prospects.
Credit management professional prepared to drive financial stability and growth. Leveraged expertise in credit assessment to support strategic decision-making and policy development. Highly reliable team player, adaptable to evolving business needs, with strong skills in risk assessment and financial analysis.
Experienced with credit risk assessment, financial analysis, and policy implementation. Utilizes comprehensive knowledge of credit management to drive financial health and support strategic goals. Track record of fostering collaboration and achieving consistent results in dynamic environments.
Professional with strong background in credit management and risk assessment. Skilled in financial analysis, credit evaluation, and portfolio management. Strong focus on team collaboration and achieving results, adapting to changing needs seamlessly. Known for reliability, integrity, and leadership in driving financial performance and minimizing risk.
Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Overview
11
11
years of professional experience
3
3
Language
Work History
Area Credit Manager (ROM)
Mas Financial Services Ltd.
07.2025 - Current
- Analyzed credit risk and developed strategies to optimize loan approval processes.
- Implemented credit policies and procedures to enhance compliance and operational efficiency.
- Led training sessions for staff on credit assessment and risk management techniques.
- Collaborated with sales teams to evaluate customer creditworthiness and establish lending limits.
- Analyzed credit applications to assess risk and determine approval status.
- Developed and implemented credit policies to enhance risk management processes.
- Led team in training staff on credit assessment procedures and compliance requirements.
- Established relationships with clients to facilitate effective credit solutions and services.
- Managed a high-performing team of credit professionals, fostering a culture of continuous improvement and providing guidance on career development opportunities.
- Contributed to company growth by developing innovative strategies for attracting new clients within target industries.
- Analyzed market data to identify new business opportunities within the region, contributing to increased market share and overall revenue growth.
- Collaborated with sales teams to ensure alignment of credit policies and sales strategies.
- Reduced delinquency rates with consistent monitoring and timely follow-ups on overdue accounts.
- Enhanced team productivity by providing regular training sessions on credit management topics.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Streamlined the application review process, resulting in faster credit decisions for clients.
- Developed strong relationships with prospective clients to promote business growth and expansion.
Branch Credit Manager
SRG Housing Finance Ltd.
02.2025 - 07.2025
- Primary responsibility is maintaining portfolio quality of the Branches.
- Repayment capacity appraisal, due diligence checks, etc.
- Monitoring legal & Technical appraisals and ensuring speedy disbursal's of Secured HL & Mortgage loan.
- CAM Recommending to NCM
- Co-ordinate with Branch Managers, Credit Executives and Sales team for cases.
- Handling Credit, Operation and Collection.
- Co-ordinate with Sales team for resolution of queries.
- Technical Vendor, Legal Vendor, FCU Agency Empanelment.
- Regular monthly training given to team.
- Sharing new ideas for business expunctions with sales team & credit team
- Analyzed credit applications to assess risk and ensure compliance with lending policies.
- Developed strategies to enhance credit approval processes and reduce turnaround time.
- Led training sessions for staff on credit assessment techniques and risk management.
- Implemented quality control measures to improve accuracy of credit evaluations.
Branch Credit Head (Senior Manager)
Fed Bank Financial Services Pvt. Ltd.
07.2023 - 12.2024
- My major responsibility is to build the quality portfolio of the branch.
- Checking process of each loan proposal and appraising proposals, conducting risk analysis before underwriting forward loans.
- Scrutinize Sanctions to all Housing Loans, Loan against property
- Categorize Legal & Technical panel team for taking legal & Technical.
- Personal Discussion with Customer.
- Visit at Customer Employment / Business for verification.
- Telephonic discussion with Customers regarding case.
- Documents Scrutiny, Underwriting, sanctioning of loans & decision regarding cases.
- Co-ordinate with Branch Managers, Credit Executives and Sales team for cases.
- Handling Credit, Operation and Collection.
- Identified and communicated customer needs to supply chain capacity and quality teams.
- Maintained professional demeanor by staying calm when addressing unhappy or angry customers.
- Set aggressive targets for employees to drive company success and strengthen motivation.
- Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
Branch Credit Head (Senior Manager)
Protium Finance Ltd.
10.2022 - 06.2023
- My major responsibility is to build the quality portfolio of the branch.
- Identify the new market for new business for branches prospective.
- Monitoring proper documentation of loan files of the branch.
- Maintaining the Loan sanction turnaround time of minimum days
- Maintain daily MIS, Records, TAT
- Checking process of each loan proposal and appraising proposals, conducting risk analysis before underwriting forward loans.
- Attending to customer inquiries / grievance on a timely basis.
- Monitoring and redressing customer grievances and finding solutions for chronic issues.
- Ensure that the conditions specified in the disbursement advice have been adhered to.
- Monitoring legal & Technical appraisals and ensuring speedy disbursal's of BL & LAP
- Mentored junior staff members for skill development and career progression within the organization.
Branch Credit Manager
JM Financial Home Loan Ltd.
01.2021 - 10.2022
- My major responsibility is to build the quality portfolio of the branch.
- Identify the new market for new business for branch prospective.
- Monitoring proper documentation of loan files of the branch.
- Maintaining the Loan sanction turnaround time of minimum days
- PD authority of HL & LAP of Rs 50 to 60 Lacs & Case appraise to CEO
- Maintain daily MIS, Records, TAT
- Checking process of each loan proposal and appraising proposals, conducting risk analysis before underwriting forward loans.
- Attending to customer inquiries / grievance on a timely basis.
- Monitoring and redressing customer grievances and finding solutions for chronic issues.
- Ensure that the conditions specified in the disbursement advice have been adhered to.
- Monitoring legal & Technical appraisals and ensuring speedy disbursal's of Home Loans, Mortgage loan & another loans
- Ensure all NHB norms.
- Reviewed and approved large credit applications, exercising sound judgment in line with company policies and risk appetite.
- Designed comprehensive reports detailing portfolio performance metrics and recommendations for senior management review during strategic planning sessions.
- Identified opportunities for business expansion through careful analysis of market trends and competitor offerings within the region''s commercial lending landscape.
- Held sales coaching sessions.
Branch Credit Manager
IDFC First Bank
08.2019 - 08.2020
- My major responsibility is to build quality portfolio of the all branch.
- Identify the new market for new business for branches prospective.
- Monitoring proper documentation of loan files of the branch.
- Maintaining the Loan sanction turnaround time of minimum days
- Maintain daily MIS, Records, TAT
- Checking process of each loan proposal and appraising proposals, conducting risk analysis before underwriting forward loans.
- Attending to customer inquiries / grievance on a timely basis.
- Monitoring and redressing customer grievances and finding solutions for chronic issues.
- Ensure that the conditions specified in the disbursement advice have been adhered to.
- Monitoring legal & Technical appraisals and ensuring speedy disbursal's of Home Loans mortgage loan & another loans. Ensure all NHB norms.
Credit Manager
Mahindra & Mahindra Financial Services Pvt. Ltd.
11.2018 - 05.2019
- Primary responsibility is maintaining portfolio quality of the Branches.
- Repayment capacity appraisal, due diligence checks, etc.
- Monitoring legal & Technical appraisals and ensuring speedy disbursal's of Secured business loan & Machinery loan.
- CAM Recommending to NCM
- Co-ordinate with Branch Managers, Credit Executives and Sales team for cases.
- Handling Credit, Operation and Collection.
- Co-ordinate with Sales team for resolution of queries.
- Technical Vendor, Legal Vendor, FCU Agency Empanelment.
- Regular monthly training given to team.
Manager-Credit (Home Loan & LAP)
India Shelter Home Finance Corporation Ltd
09.2017 - 11.2018
- Scrutinize Sanctions to all Housing Loans, Loan against property
- Categorize Legal & Technical panel team for taking legal & Technical.
- CAM Approving.
- DM (Disbursement Memo) approving.
- Personal Discussion with Customer.
- Visit at Customer Employment / Business for verification.
- Telephonic discussion with Customers regarding case.
- Documents Scrutiny, Underwriting, sanctioning of loans & decision regarding cases.
- Co-ordinate with Branch Managers, Credit Executives and Sales team for cases.
- Handling Credit, Operation and Collection.
- Co-ordinate with Sales team for resolution of queries
- Accomplished multiple tasks within established timeframes.
- Maximized performance by monitoring daily activities and mentoring team members.
- Controlled costs to keep business operating within budget and increase profits.
- Improved marketing to attract new customers and promote business.
- Maintained professional, organized, and safe environment for employees and patrons.
- Developed and maintained relationships with customers and suppliers through account development.
- Achieved departmental goals by developing and executing strategic plans and performance metrics.
- Mentored junior team members for career advancement, fostering a pipeline of future leaders within the organization.
- Reduced operational costs through comprehensive process improvement initiatives and resource management.
- Conducted market research to identify customer needs and adjusted product offerings accordingly, increasing customer satisfaction.
- Coordinated with IT department to upgrade technology infrastructure, enhancing operational efficiency and data security.
- Negotiated favorable terms with suppliers, cutting operational costs while maintaining quality of service.
- Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
CPA
CPA at Fullerton India Home Finance Ltd
03.2017 - 09.2017
- Responsible for the Branch Operation process from start to end in Home Loan & LAP.
- Checking process of each loan proposal and appraising proposals, conducting risk analysis before underwriting forward loans.
- Maintaining the Loan sanction turnaround time of minimum days.
- Legal Appraisal i.e., scrutinize legal documents of the property & its chain linked documents.
- Monitoring the disbursement of Personal Loan & Booster Loan & Small ticket Personal Loan.
- Co-ordination with Operation team, Team Leader, Sales Manager & Credit Manager.
- Co-ordination with collection Department and Daily MIS Report
CPA
CPA at L&T Housing Finance Ltd.
12.2014 - 07.2016
- Handling the Login of files, giving queries for the files received from DSA/DST vertical Subsequently files are given for Login – if completed, otherwise queries are forwarded to DSA/DST or SM as per requirement Post that follow-up with DSA/DST is being done.
- For Daily Login /Commitment status for which separate MIS is being maintained for smooth working of the branch file flow and follow-up
- Co-ordination with legal & property valuation agency & Monitoring Daily MIS & PDD MIS.
- Processing for De-dupe, Field Investigation and maintaining TAT with FI Agency.
- MIS Reporting, Maintaining respective TAT for respective process.
- Co-ordination with Business Development Officer & Team Leader Sales manager.
Education
B. Com - Commarce
Dr. Hari Singh Gour University
Sagar01-2008
12th - Commarce
Board of Bhopal Education
01-2005
10th - undefined
Board of Bhopal Education
01-2003
Skills
Focusing on the optimization of process parameters; initiating process improvements for achieving bottom line objectives & productivity targets
Monitoring development of products with respect to cost, resource deployment, time over-runs
Generating profitability through the business as well as planning the activities to achieve the goals
Relationship management
Loan origination
Collateral evaluation
Underwriting expertise
Credit reports
Client relationship management
References
- Harshal, Shimpi, RCM, 9890001640, Mahindra & Mahindra Financial, Hyderabad
- Sunil Kumar, Sharma, RCM, 9766460776, India shelter Home Finance Corporation, Nagpur
- Ravindra, Bhide, Regional Credit Manager, 9920970603, J M Financial, Mumbai
Accomplishments
- #Achievements @ Home Loan & Mortgage loan- India Shelter Home Finance, Nagpur.
- We as a team achieved Business objective of home loan & mortgage loan Nagpur two branch has reached up to 6 Cr disbursement in March-18 & qualify for foreign trip.
Proficiency
Exposure in handling Branch Retail Assets Mortgages operations individually, looking after the disbursement, scrutiny of loan proposals for mortgages including credit, legal and technical. Loan Accounting and Customer Care.
Timeline
Area Credit Manager (ROM)
Mas Financial Services Ltd.
07.2025 - Current
Branch Credit Manager
SRG Housing Finance Ltd.
02.2025 - 07.2025
Branch Credit Head (Senior Manager)
Fed Bank Financial Services Pvt. Ltd.
07.2023 - 12.2024
Branch Credit Head (Senior Manager)
Protium Finance Ltd.
10.2022 - 06.2023
Branch Credit Manager
JM Financial Home Loan Ltd.
01.2021 - 10.2022
Branch Credit Manager
IDFC First Bank
08.2019 - 08.2020
Credit Manager
Mahindra & Mahindra Financial Services Pvt. Ltd.
11.2018 - 05.2019
Manager-Credit (Home Loan & LAP)
India Shelter Home Finance Corporation Ltd
09.2017 - 11.2018
CPA
CPA at Fullerton India Home Finance Ltd
03.2017 - 09.2017
CPA
CPA at L&T Housing Finance Ltd.
12.2014 - 07.2016
10th - undefined
Board of Bhopal Education
B. Com - Commarce
Dr. Hari Singh Gour University
12th - Commarce
Board of Bhopal Education