Aniket Vishnu Patil
Senior Credit Manager
Sangli
Summary
Accomplished financial services professional with a B.Com from G A College of Commerce. Career highlights include debt recovery expertise as a collection executive and customer service proficiency as a cashier. Progressed to leadership roles, including Assistant Deputy Manager at Chola Mandlam LAP Department, and currently a Senior Credit Manager at Suryoday Small Finance Bank. Committed to driving financial performance and enhancing client relationships.
Overview
4
4
years of professional experience
3
3
Languages
Work History
Senior Credit Manager
Suryoday Small Finance Bank
09.2025 - Current
- - Implement credit risk assessment strategies resulting in a 15% reduction in non-performing assets
- - Lead a team of credit analysts to streamline the loan approval process, increasing efficiency by 20%
- - Develop and implement credit scoring models leading to a 25% reduction in credit losses
- - Handling all login to disbursement and PDD process.
- -Handling both operations and credit department and collection department also.
Assistant Deputy Manager
CHOLAMANDLAM INVESTMENT AND FINANCE COMPANY LTD
10.2022 - 09.2025
- -Checking data entry of login files.
- -Checking Cibil report.
- -Initiating for various report prepare reports.
- -Providing file queries post pd queries.
- -Doing Pd reco and credit appraisal process
- -Mis management Data Management.
- -Disbursement process docket checking.
- -Legal and technical documentation and verification.
- -Disb query resolution PDD resolution.
- -Payment handover management.
- -Analyzed applicants’ financial status and credit and property evaluations to determine loan feasibility.
- -Investigated and evaluated customers for creditworthiness and potential risk factors.
- -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.
- -Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- -Reviewed and analyzed loan procedures.
- Obtained and reviewed credit reports, credit references, credit insurance, and financial statements to establish credit limits for new accounts.
- -Developed strategies to expedite payment and customer resolutions.
- Reviewed and updated credit policies regularly in response to changing market conditions, industry trends, and emerging risks.
- -Monitored accounts for signs of fraud and non-payment issues.
- Used LOS software to perform credit appraisals, document verification, and loan approvals.
Operations Executive
Brick Eagle Affordable Housing Finance
06.2022 - 10.2022
- - Oversaw daily operations activities ensuring smooth functioning across all departments while maintaining high-quality standards.
- - Effectively and effectively identified and solved all problems that impacted direction of business.
- - Used data-driven decision-making techniques to identify areas of improvement within operations processes.
- - Implemented strategic initiatives that resulted in significant improvements in operational performance.
- - Continually evaluated and updated departmental policies to reflect changing regulatory requirements, ensuring ongoing adherence to industry best practices.
- - Ensured borrower satisfaction by addressing questions or concerns regarding their loans in a timely manner, fostering positive client relationships.
- - Maintained accurate records of all transactions, keeping detailed logs for audit purposes and regulatory reporting requirements.
- - Assisted borrowers with timely completion of their loan applications, while providing exceptional customer service.
- - Facilitated smooth transitions during mergers or acquisitions, integrating new loans into existing systems seamlessly while maintaining high levels of customer service for affected clients.
Operations Trainee
Brick Eagle Affordable Housing Finance
09.2021 - 05.2022
Education
B.Com - Maharashtra
01.2018
XIIth - undefined
01.2015
Xth - undefined
01.2013
Skills
Customer support
Legal documentation expertise
Risk evaluation
Financial evaluation
Credit risk assessment
Client engagement
Customer service focus
Point of sale system
Persuasive communication
Effective communication Team collaboration Feedback delivery Customer relations
Software applications expertise
Over-the-Counter (OTC) products
Design & development
Cost control
Analytical reasoning
Data analysis
Supply chain management
Consent form
Site assessments
Pre-approval funding
Disbursement management
Interests
Cricket, Movies, Travelling
Timeline
Senior Credit Manager - Suryoday Small Finance Bank
09.2025 - Current
Assistant Deputy Manager - CHOLAMANDLAM INVESTMENT AND FINANCE COMPANY LTD
10.2022 - 09.2025
Operations Executive - Brick Eagle Affordable Housing Finance
06.2022 - 10.2022
Operations Trainee - Brick Eagle Affordable Housing Finance
09.2021 - 05.2022
Shivaji University - B.Com, Maharashtra
Marathi - XIIth,
Marathi - Xth,