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
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
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
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
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
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
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
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