Aniket Vishnu Patil
Sangli
Summary
Results-driven Branch Credit Manager with extensive experience in credit operations and risk management. Developed efficient loan procedures and improved credit processes to align with organizational policies. Delivered informed loan approval decisions through in-depth financial analyses and enhanced risk control measures, significantly reducing bad debt losses.
Overview
3
3
Languages
4
4
years of post-secondary education
5
5
years of professional experience
Work History
Branch Credit Manager
IDFC bank limited
Sangli
06.2026 - Current
- Evaluated customer creditworthiness using financial analysis and risk assessment tools.
- Analyzed financial statements, loan applications and credit reports for potential customers.
- Reviewed and approved loan documentation for accuracy and completeness.
- Managed credit approval process for loan applications and client requests.
- Collaborated with sales team to develop tailored financing solutions for clients.
- Implemented training programs for staff on credit policies and procedures.
- Analyzed market trends to adjust lending strategies in response to economic changes.
Senior Credit Manager
Suryoday Small Finance Bank Ltd
Sangli
09.2025 - 05.2026
- Establish credit risk assessment methodologies leading to 15% decline in non-performing assets.
- Conducted legal and technical evaluations of properties to ensure compliance with regulations.
- Reviewed cibil and crif reports to evaluate borrower creditworthiness.
- Establish credit risk assessment methodologies leading to a 15% decline in non-performing assets.
- Supervised team of credit analysts in refining loan approval workflow, resulting in a 20% efficiency gain
- Design and deploy credit scoring models producing a 25% drop in credit losses
- Managed credit operations for home loan and LAP cases to ensure compliance and efficiency.
- Reviewed customer financial statements and credit ratings to accurately assess creditworthiness of potential clients.
Credit Operations Executive
CHOLAMANDLAM INVESTMENT AND FINANCE COMPANY LTD
Sangli
10.2022 - 09.2025
- Assessed and analyzed customers for creditworthiness and potential risk factors.
- Prepared various reports to support decision-making and operational efficiency.
- Collected data and conducted trend and variance analysis to mitigate risk from bad debt.
- Acquired and analyzed credit reports, references, insurance, and financial statements to determine credit limits for new accounts.
- Formulated strategies to accelerate payment processing and customer resolutions.
- Resolved inquiries related to disbursement processes.
- Oversaw the process of transferring payments to ensure accuracy.
- Utilized LOS software to execute credit appraisal and document verification for loan approvals.
- Verified the accuracy of user login data files to ensure secure access.
- Reviewed CIBIL reports to assess creditworthiness of applicants.
- Initiated preparation of various reports.
- Delivered file queries based on prior PD inquiries for accurate data handling.
- Executing PD recommendations and credit appraisal process
- Developed strategies to enhance payment processing and resolve customer issues.
- Evaluated and revised credit policies to align with market conditions, industry trends, and emerging risks.
- Disb query resolution process.
- Payment transfer oversight.
Operations Executive
Neo Leaf (Brick Eagle Affordable Housing Finance)
Sangli
06.2022 - 10.2022
- Oversaw daily operations to enhance productivity to ensure seamless interdepartmental functionality and maintain high-quality standards.
- Identified and resolved challenges impacting business direction, contributing to strategic alignment.
- Managed daily operations activities to ensure seamless functioning across all departments while upholding high-quality standards.
- Successfully identified and resolved all challenges affecting business direction.
- Regularly assessed and revised departmental policies to align with evolving regulatory requirements, ensuring continuous compliance with industry best practices.
- Orchestrated seamless transitions during mergers or acquisitions, integrating new loans into existing systems while sustaining high levels of customer service for impacted clients.
- Assisted borrowers with loan application processes in promptly completing loan applications while delivering exceptional customer service.
- Facilitated timely loan application completion for borrowers while providing exceptional customer service.
- Sustained precise records of all transactions by maintaining detailed logs for audit purposes and regulatory reporting requirements.
Operations Trainee
Neo Leaf (Brick Eagle Affordable Housing Finance)
Sangli
09.2021 - 05.2022
Education
B.Com - Industrial Management
Shivaji University
Maharashtra 07.2015 - 04.2018
XIIth - Commerce
Marathi
Sangli, India 06.2014 - 03.2015
Xth -
Marathi
Kumathe, India 06.2012 - 04.2013
Skills
- Credit assessment
- Risk assessment
- Credit analysis
- Financial evaluation
- Credit scoring
- Disbursement control
- Loan docs
- Pre-funding
- Financial reports
- Legal expertise
- Data analysis
- Analytical reasoning
- Cost control
- Software expertise
- Client engagement
- Customer relations
- Team collaboration
- Effective communication
- Customer service focus
- Supply chain management
- Site assessments
- Consent form
- Risk evaluation
- Financial reports
Hobbies and Interests
- Cricket
- Movies
- Travelling
Languages
- Marathi
- Hindi
- English
Languages
English
Proficient
C2
Marathi
Proficient
C2
Hindi
Proficient
C2
Timeline
Branch Credit Manager
IDFC bank limited
06.2026 - Current
Senior Credit Manager
Suryoday Small Finance Bank Ltd
09.2025 - 05.2026
Credit Operations Executive
CHOLAMANDLAM INVESTMENT AND FINANCE COMPANY LTD
10.2022 - 09.2025
Operations Executive
Neo Leaf (Brick Eagle Affordable Housing Finance)
06.2022 - 10.2022
Operations Trainee
Neo Leaf (Brick Eagle Affordable Housing Finance)
09.2021 - 05.2022
B.Com - Industrial Management
Shivaji University
07.2015 - 04.2018
XIIth - Commerce
Marathi
06.2014 - 03.2015
Xth -
Marathi
06.2012 - 04.2013