Ankit Bhateliya
Rajkot
Summary
To obtain a challenging position in the field of Financial Management in a Multinational company this will effectively utilize my skills and enhance the knowledge. Dedicated Credit Manager with high integrity and deep knowledge of the field bringing 10+ years of related experience to support business financial needs at different finance company.
Overview
11
11
years of professional experience
Work History
Cluster Credit Manager
Hinduja Housing Finance Ltd.
Rajkot, Morbi, Jamnagar
04.2023 - Current
- Maintained a current knowledge base of applicable laws governing commercial credit transactions.
- Disseminated information regarding cash flow to appropriate stakeholders, enabling decisions for credit risk policy adjustments.
- Developed invoicing systems and internal controls to boost billing efficiencies.
- Evaluated customer applications for credit limits in accordance with established guidelines.
- Analyzed financial data to determine the degree of risk involved in extending credit.
- Analyzed competitors and market trends to facilitate business growth.
- Used hedging to mitigate financial risks related to interest rates on company's borrowings.
- Analyzed actual financial results to budget, preparing variance reporting to functional groups.
Credit Manager
Capri Global Housing Finance Ltd
Junagadh, Jamangar
09.2021 - 04.2023
- Coaching, challenging and supporting employees
- Oversee each location and monitor and report on performance
- Arranging and chairing team meetings to discuss strategy
- Credit Appraisal and underwriting of Home Loans and Mortgage Loans from login to disbursement process
- Interviewing and evaluating credit worthiness and understand CFA of secured loans proposals
- Personal visit in all cases at business places as well as the residence of customers to have understanding of scale of business and industry
- Responsible for maintaining healthy Credit Portfolio.
- Maintained a current knowledge base of applicable laws governing credit transactions.
- Evaluated customer applications for credit limits in accordance with established guidelines.
Asst. Manager
Repco Home Finance Ltd
Jamnagar
05.2014 - 09.2021
- Multi-task work for branch related work, Looking after Ops., Credit appraisal, Marketing, Recovery, Profile check and to maintain accounting of branch in place, Visiting and verifying profiles of prospect borrowers.
- Delegated work to staff, setting priorities and goals.
- Assisted with developing and implementing marketing strategies to improve Credit, sales and profitability.
- Provided guidance and support to junior staff members on daily tasks, ops work and objectives.
- Supervised daily operations including scheduling shifts, assigning duties.
- Mentored staff to enhance skills and achieve daily targets, using hands-on and motivational leadership.
- Assisted in the development of credit operational strategies to ensure efficient and productive credit operations.
Management Trainee
AU Financiers (India) Ltd
Jamnagar
09.2012 - 05.2014
- Accounting entries to made, Follow up to be taken for collection on regular basis.
- Planned and delivered training sessions to improve employee effectiveness and address areas of weakness.
- Acted on training and mentoring opportunities to set team members up for success.
- Assisted with the development of new policies and procedures for daily operations.
- Learned company processes, procedures and employee role functions.
- Supported staff training, development and evaluation.
Education
MBA - Finance
Annamalai University
05-2012
B.com. - Accounting And Finance
M P Shah Commerce College
Jamnagar04-2010
HSC - Commerce
DCC
Jamnagar04-2007
SSC - English
DCC`
Jamnagar04-2005
Skills
- Fraud Understanding
- Customer Engagement
- Credit Reports
- Credit Evaluations
- Application Review
- Investigations
- Regulatory Compliance
- Risk Analysis
- Risk Assessments
- Policy Development
- Research and Due Diligence
Industrial Visits
Digjam Mills Ltd in 2010
Preferred Industries
- Bank
- Finance Company
Personal Information
- Date of Birth: 22/11/1989
- Marital Status: Married
Hobbies and Interests
- Reading news paper
- Traveling
Projects
BFSI – Comparative Analysis of BFSI Product Retail Project at Reliance Mart Digjam Mills Ltd. Summer Internship Project at Digjam Mills Ltd. Grand Project Report on Merger & Acquisition in Indian Industry
References
- Mr. Pritesh Mehta, Regional Business Head, Hinduja Housing Finance Ltd, Rajkot, 9099047733
- Mr.Kevin Kariya, Cluster Credit Manager, Capri Global Housing Finance Ltd. , Morbi, 9925644536
Timeline
Cluster Credit Manager
Hinduja Housing Finance Ltd.
04.2023 - Current
Credit Manager
Capri Global Housing Finance Ltd
09.2021 - 04.2023
Asst. Manager
Repco Home Finance Ltd
05.2014 - 09.2021
Management Trainee
AU Financiers (India) Ltd
09.2012 - 05.2014
MBA - Finance
Annamalai University
B.com. - Accounting And Finance
M P Shah Commerce College
HSC - Commerce
DCC
SSC - English
DCC`
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