Ankit Panchal
A-45 Indra Enclave Jhoripur Delhi-110094
Summary
Results-driven Branch Credit Manager with expertise in fraud management and performance monitoring. Led credit appraisals to enhance customer satisfaction through efficient turnaround times. Strong skills in vendor management and risk analysis complement a well-rounded analytical and interpersonal skill set.
Overview
2
2
Languages
8
8
years of professional experience
Work History
Branch Credit Manager
SMFG India Home Finance Co. Ltd
Noida, India
09.2023 - 09.2026
- Recommend credit appraisal for sanction and disbursement, then commit to TAT.
- Prepare disbursement memo and scrutinise complete docket before recommendation.
- Decision cases with prescribe TAT and Handling OTC & PDD
- Risk analysis according to cases and profile of the client
- diligence of SENP and Salaried profile for both LAP and Home Loan.
- Having case pd authority lap and H.L 50 lac and system authority 25 lakh
- Customer PD Tele PD salaried cases
- Physical PD of self-employed cases
- Tele PD with Customer regarding Various Queries
- Coordinated with branch operations to ensure prompt clearance of dockets.
- Absolute interaction with Branch Operation to ensure for the clearance of docket
- Followed up with RCU (Risk Containment Unit) to address potential fraud issues.
- Managed vendor relationships to facilitate timely service delivery and compliance.
- Follow up with vendors regarding FI, RCU & Legal technical Report
- Handled audit processes to ensure compliance with regulations.
- Ensuring TAT for various activities.
- recommendation
- Prepared the Salaried and SENP cases CAM
Branch Credit Manager
HDB Financial Services Ltd.
Delhi Jhoripur
08.2019 - 09.2023
- Conducted credit appraisals and risk assessments for loan proposals, ensuring informed decision-making
- Managed loan cases with authority for amounts up to 50 lakh, facilitating timely approvals
- Sanctioned loan cases valued at 3 lakh and IMPL 5 lakh
- Made decisions on cases within prescribed turnaround times
- Evaluated financial ratios to assess company performance
- Financial analysis of Balance Sheet, Income Statement, cash Flow Statement
- Handle various MIS, supporting data-driven decision processes
- thoroughly checking all income document, field investigation report, dedupe,CIBIL etc.
- diligence of SENP profile for both LAP EBL IMPL
- Manage Team of credit
CPA
Cholamandlam Investment & Finance Company Ltd.
Delhi Karol bagh, india
06.2018 - 08.2019
- Financial analysis of Balance Sheet, Income Statement, cash Flow Statement and
- Assessed financial ratios to gauge company performance
- Conducted credit appraisal to assess loan eligibility and risk Assessment of loan proposals received by the bank by
- Performed non-discrepancy checks on submitted documents, ensuring accurate sanction entry of files in system.
- Verifying the authenticity of information through Tele-check and referring doubtful
- documents to internal department for thorough analysis
- thoroughly checking all income document, field investigation report, dedupe, CIBILetc.
- Managed various management information systems (MIS) to support data-driven decision-making.
Education
MBA - Finance
SwamiSwami Vivekanand Subharti University Meerut
2023
M.com - Finance
Education College Of Baraut
CCS University 2019
B. Com - Finance And Account
Digambar Jain College
Baraut From CCS University 2016
Intermediate -
Vaidik Inter College
U.P Board Prayagraj ,Shamli, UP2013
High School -
Muslim Inter College
U.P Board Prayagraj , Baghpat U.P2011
Skills
Fraud prevention
Risk mitigation
Financial reporting
Authorization processes
Investigative methods
Investigations
Audit handling
Vendor management
Performance monitoring
Problem solving
Team leadership
Languages
Hindi
English
Custom
Credit Underwriting
Team Management
Risk Assessment
Customer Handling
LAP and Home Loan Processing
Customer PD
Personal Detail
- Father's Name - Mr.Brihampal Singh
- Date Of birth - 29 April 1994
- Gender - Male
- Marital Status - Married
- Nationality - Indian
Permanent Address
- Village post Nala thana Khandla Disst Shamli U.P -Pin Code-247771
Timeline
Branch Credit Manager
SMFG India Home Finance Co. Ltd
09.2023 - 09.2026
Branch Credit Manager
HDB Financial Services Ltd.
08.2019 - 09.2023
CPA
Cholamandlam Investment & Finance Company Ltd.
06.2018 - 08.2019
MBA - Finance
SwamiSwami Vivekanand Subharti University Meerut
M.com - Finance
Education College Of Baraut
B. Com - Finance And Account
Digambar Jain College
Intermediate -
Vaidik Inter College
High School -
Muslim Inter College