ANURAG YADAV
Banking And Finance Professional
Summary
Dynamic MBA professional with 6 years experience in credit underwriting, credit appraisal for Business Loans, Personal Loans and Professional Loans in banking and finance domain.
Dynamic MBA professional with 6 years experience in credit underwriting, credit appraisal for Business Loans, Personal Loans and Professional Loans in banking and finance domain.
Dynamic MBA professional with 6 years experience in credit underwriting, credit appraisal for Business Loans, Personal Loans and Professional Loans in banking and finance domain.
Overview
9
9
years of professional experience
1
1
Certification
Work History
CREDIT MANAGER
POONAWALLA FINCORP LIMITED
LUCKNOW
05.2024 - Current
- Analyzed financial statements and credit reports to assess the creditworthiness of borrowers.
- Reviewed loan applications for accuracy and completeness.
- Determined appropriate risk rating based on analysis of borrower's financial profile.
- Evaluated potential collateral to determine its acceptability and value.
- Conducted detailed investigations into customer background, assets, liabilities, and other related matters.
- Performed portfolio analysis to identify trends in borrower performance.
- Analyzed risk factors associated with loans and proposed appropriate solutions.
- Collaborated with other departments within the organization to ensure compliance with all regulations and guidelines.
- Provided feedback on existing policies and procedures related to underwriting processes.
CREDIT MANAGER
KOTAK MAHINDRA BANK
LUCKNOW
02.2023 - 04.2024
- Ensured timely and accurate processing of all credit transactions.
- Developed and maintained relationships with customers to ensure prompt payments on accounts receivable.
- Monitored customer account details for non-payments, delayed payments and other irregularities.
- Analyzed financial data to determine the degree of risk involved in extending credit.
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Collected overdue payments from customers using various methods such as phone calls, emails or letters.
- Negotiated repayment plans with debtors who were unable to pay their full balance due immediately.
- Reviewed customer accounts for potential write-offs or adjustments due to inaccurate invoicing or defective merchandise returns.
Area Credit Manager
UTKARSH SMALL FINANCE BANK
LUCKNOW
11.2021 - 04.2024
- Analyzed and monitored credit activity of customers to ensure payment compliance.
- Developed strategies for reducing customer delinquency and increasing collections efficiency.
- Ensured timely collection of receivables from customers by maintaining contact with them via phone, email, and mail.
- Conducted detailed reviews of customer accounts to identify potential areas of risk or fraud.
- Negotiated payment plans with delinquent customers while ensuring adherence to company policies.
- Generated monthly reports on the performance of credit activities in assigned area.
- Collaborated closely with sales team on all new account setups including credit evaluations, approvals, and documentation requirements.
- Reviewed customer applications for accuracy and completeness prior to submitting them for approval.
- Assisted in resolving disputes between customers and other departments within the organization related to billing issues or discrepancies.
- Maintained accurate records of all customer transactions, payments, credits, returns.
AREA CREDIT MANAGER
POONAWALLA FINCORP LIMITED
LUCKNOW
05.2022 - 02.2023
- Analyzed and monitored credit activity of customers to ensure payment compliance.
- Developed strategies for reducing customer delinquency and increasing collections efficiency.
- Ensured timely collection of receivables from customers by maintaining contact with them via phone, email, and mail.
- Conducted detailed reviews of customer accounts to identify potential areas of risk or fraud.
- Negotiated payment plans with delinquent customers while ensuring adherence to company policies.
- Generated monthly reports on the performance of credit activities in assigned area.
- Identified process improvements and implemented changes to enhance operational effectiveness and efficiency.
AREA MANAGER
BANDHAN BANK
LUCKNOW
05.2019 - 10.2021
- Conducted periodic reviews of inventory levels and product mix in stores.
- Provided guidance on the implementation of new policies and procedures in stores.
- Scheduled regular meetings with store teams to discuss objectives, performance metrics and customer feedback.
- Analyzed financial data such as sales reports, budgets and payroll records to identify areas of improvement.
- Reviewed staffing needs to ensure adequate coverage at all times in stores.
- Oversaw the recruitment process for new staff members including interviewing and training.
Territory Manager
AIRCEL LIMITED
GHAZIABAD
06.2015 - 01.2018
- Developed and implemented strategies to increase sales in assigned territory.
- Conducted market research to determine customer needs and preferences within the region.
- Established relationships with key customers, vendors, and distributors in the area.
- Analyzed sales data to identify trends and opportunities for growth.
Education
MBA - Finance
Suresh Gyan Vihar University
Jaipur08-2024
MBA - Operations Management
Swami Vivekanand Subharti University
Meerut08-2020
Bachelor in Commerce -
Sunrise University
Alwar07-2015
Intermediate -
New Public Inter College
Lucknow07-2012
High School -
New Public Inter College
Lucknow 07-2010
Skills
- Credit underwriting
- Collaborative Teamwork
- Problem-solving capabilities
- Photography abilities
- Visual inspections
Certification
- Certified in computer concepts (CCC) from National Institute of Electronics and Information Technology
- One year Certification course in Banking and Finance from Bandhan School of Development Management (associated by BANDHAN BANK), Kolkata in 2019. (one year residential programme)
Languages
Hindi
First Language
English
Proficient (C2)
C2
Timeline
CREDIT MANAGER
POONAWALLA FINCORP LIMITED
05.2024 - Current
CREDIT MANAGER
KOTAK MAHINDRA BANK
02.2023 - 04.2024
AREA CREDIT MANAGER
POONAWALLA FINCORP LIMITED
05.2022 - 02.2023
Area Credit Manager
UTKARSH SMALL FINANCE BANK
11.2021 - 04.2024
AREA MANAGER
BANDHAN BANK
05.2019 - 10.2021
Territory Manager
AIRCEL LIMITED
06.2015 - 01.2018
MBA - Finance
Suresh Gyan Vihar University
MBA - Operations Management
Swami Vivekanand Subharti University
Bachelor in Commerce -
Sunrise University
Intermediate -
New Public Inter College
High School -
New Public Inter College
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