ANKIT KESHARI
D 64/110 3TS Madhopur Sigra Varanasi
Summary
Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss. Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability.
Overview
9
9
years of professional experience
Work History
Credit Manager
DCB Bank
Varanasi
09.2023 - Current
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Maximized cash flow for the company by monitoring outstanding debts and optimizing collection efforts.
- Developed strong relationships with clients through professional communication and timely resolution of credit issues.
- Enhanced department efficiency by streamlining processes, reducing errors, and automating routine tasks.
- Prepare MIS on daily basis and sent to our reporting heads.
- Check and update entry of file into online software name NEO.
- The primary focus will be to understand and implement credit policies, monitor and analyze credit data, interact with customers to verify and collect credit information.
- CIBIL record checking.
- Assessing credit worthiness of a proposal by studying financial history basis documents submitted, market information, and reference checks.
- Perform visit PD/verification checks for all proposals of applicants.
- Preparation of CAM (Credit Appraisal Memo) Report and recommendations of loans.
- Credit appraisals of loan applicants within defined policy guidelines and accordingly recommending them for approvals to higher authorities
Branch Credit Manager
Aadhar Housing Finance Ltd, HL and Lap Loan
Varanasi
09.2021 - 09.2023
- Coordinate with Sales Executive to solve the query of Files as per policy
- Prepare MIS on daily basis and sent to our reporting heads
- Check and update entry of file into online software name TCS
- The primary focus will be to understand and implement credit policies, monitor and analyze credit data, interact with customers to verify and collect credit information
- CIBIL and Crif Highmark record checking
- Assessing credit worthiness of a proposal by studying financial history basis documents submitted, market information, and reference checks
- Perform visit PD/verification checks for all proposals or applicants
- Preparation of CAM (Credit Appraisal Memo) Report and recommendations of loans
- Credit appraisals of loan applicants within defined policy guidelines and accordingly recommending them for approvals to higher authorities.
- Improved loan processing efficiency by streamlining credit analysis procedures and implementing standardized evaluation criteria.
- Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.
Credit Manager
Aviom India Housing Finance Pvt Ltd
Varanasi
09.2020 - 08.2021
- Coordinate with ABM and Sales Executive to solve the query of Files as per policy
- Prepare MIS on daily basis and sent to our reporting heads
- Check and update entry of file into online software name Mifin
- The primary focus will be to understand and implement credit policies, monitor and analyze credit data, interact with customers to verify and collect credit information
- CIBIL and Crif Highmark record checking
- Assessing credit worthiness of a proposal by studying financial history basis documents submitted, market information, and reference checks
- Perform visit PD/verification checks for all proposals or applicants
- Preparation of CAM (Credit Appraisal Memo) Report and recommendations of loans
- Credit appraisals of loan applicants within defined policy guidelines and accordingly recommending them for approvals to higher authorities.
Credit Officer
Muthoot Fincorp Ltd
Varanasi
08.2019 - 08.2020
- Coordinate with ABM and Sales Executive to solve the query of Files as per policy
- Prepare MIS on daily basis and sent to our reporting heads
- Check and update entry of file into online software name Artoo
- The primary focus will be to understand and implement credit policies, monitor and analyze credit data, interact with customers to verify and collect credit information
- CIBIL record checking
- Assessing credit worthiness of a proposal by studying financial history basis documents submitted, market information, and reference checks
- Perform visit PD/verification checks for all proposals or applicants
- Preparation of CAM (Credit Appraisal Memo) Report and recommendations of loans
- Credit appraisals of loan applicants within defined policy guidelines and accordingly recommending them for approvals to higher authorities
- Compilation of loan docket and send to Ops for Disbursements
- Having experience of Collection upto 60-90 Buckets.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Reduced delinquency rates by implementing effective portfolio management strategies.
Assistant Credit Manager
Shriram City Union Finance Ltd
Varanasi
12.2016 - 07.2019
- Coordinate with ABM to solve the query of Files as per policy
- Prepare MIS on daily basis and sent to our reporting heads
- Make entry of file into online software name UNO
- Compilation of loan docket and make proposal entry for disbursement
- The primary focus will be to understand and implement credit policies, monitor and analyze credit data, interact with customers to verify and collect credit information
- Assessing credit worthiness of a proposal by studying financial history basis documents submitted, market information, and reference checks
- Perform Telephonic PD/verification checks for all proposals or applicants
- Preparation of CAM (Credit Appraisal Memo) Report and recommendations of loans
- Dedupe checking, CIBIL record checking
- Credit appraisals of loan applicants within defined policy guidelines and accordingly recommending them for approvals to higher authorities.
- Improved credit approval process by implementing streamlined procedures and utilizing risk analysis tools.
- Reduced delinquency rates by closely monitoring customer accounts and taking proactive measures to address issues.
Credit Process Associate
Dewan Housing Finance Corporation Ltd
Varanasi
05.2015 - 12.2016
- Home Loan (Branch Office, th of Dec’16
- To scrutinize the financials of the customer for ensuring the eligibility criteria
- Coordinate with the outsourced agencies for RCU and FI agencies
- To make the entry of files data into online software named APS (Application Processing System)
- Maintain of files and docket MIS given a status on daily bases to Manager
- Compilation of loan docket for coordination with operation for check disbursement
- Direct Calling to customer to resolve of queries on files as well as docket.
- Streamlined processes by identifying inefficiencies and implementing improvements.
- Reduced errors in data entry by maintaining strict attention to detail and thoroughness.
Education
Bachelor of Arts -
Mahatma Gandhi Kashi Vidhyapeeth
Varanasi06.2015
Intermediate -
Suchitnandan Inter College
Ghazipur04.2009
High School Diploma -
U.P. Board
Varanasi05.2007
Languages
English
Advanced (C1)
Hindi
Bilingual or Proficient (C2)
IT Skill
IT Skills :
- Proficient in Computer Skills
- Knowledge of MS-Office tools
Additional Information
Personal Details :
Father’s Name: Om Prakash Keshari
Date of Birth: 15-11-1991
Nationality: Indian
Marital Status: Married
Declaration:
I have to declare that all the above information given above is true to the best of my knowledge and belief.
Place: Varanasi
Date: Ankit Keshari
Timeline
Credit Manager
DCB Bank
09.2023 - Current
Branch Credit Manager
Aadhar Housing Finance Ltd, HL and Lap Loan
09.2021 - 09.2023
Credit Manager
Aviom India Housing Finance Pvt Ltd
09.2020 - 08.2021
Credit Officer
Muthoot Fincorp Ltd
08.2019 - 08.2020
Assistant Credit Manager
Shriram City Union Finance Ltd
12.2016 - 07.2019
Credit Process Associate
Dewan Housing Finance Corporation Ltd
05.2015 - 12.2016
Bachelor of Arts -
Mahatma Gandhi Kashi Vidhyapeeth
Intermediate -
Suchitnandan Inter College
High School Diploma -
U.P. Board