Apoorv Chaudhary
Greater Noida West, UP
Summary
CRISL Level 1 certified credit manager with 10 years of experience in underwriting commercial vehicle and construction equipment. Expertise in financial analysis, risk control, and cross-functional leadership. Demonstrated success in managing high-value portfolios and making sound credit decisions that drive business growth.
Overview
1
1
Certification
10
10
years of professional experience
Work History
Credit Manager-CV – CE (New/Used)
IDFC FIRSTBANK LTD
10.2021 - 05.2026
Sr. Credit Manager-CV – CE (New/Used)
IDFC FIRSTBANK LTD
06.2026 - Current
- Underwrite Commercial Vehicle (CV) and Construction Equipment (CE) loan proposals following the bank's credit policies.
- Evaluated loan applications to determine approval or rejection based on bank policies.
- Analyze bank statements, Income Tax Returns (ITR), Financial statements and cash flows to evaluate creditworthiness
- Conducted personal discussions with customers to assess business health and repayment capacity.
- Reviewed loan files meticulously to mitigate credit risk and identify fraudulent documents or misinformation.
- Managed bad debts effectively, ensuring local portfolio remained robust.
Hub Credit Relationship Manager–Auto Loan/CV/Tractor ( New / Used)
HDB FINANCIAL
07.2018 - 10.2021
- Executed comprehensive underwriting for new and used car CV tractor proposals, ensuring accurate risk assessment and informed lending decisions.
- Analysed customer creditworthiness through detailed examination of financial statements, bank statements, and CIBIL reports, facilitating informed credit approvals.
- Evaluated repayment capacity by reviewing business cash flows and overall risk profile, contributing to risk management and informed lending strategies.
Deputy Manager-CV/Auto Loan
INDUSIND BANK LTD
02.2016 - 06.2018
- Underwriting of retail and strategic proposals for CV and CE.
- Assessed creditworthiness of potential customers to inform lending decisions.
- Developed credit scoring models for risk assessments, enhancing automation in CV loan process.
- Approving / Rejecting / Appraisal of loans based on Profile based on Delegation.
- Ensuring all loans and lending procedures comply with regulations.
- Reviewing and updating the company’s credit policy for retail cases.
- Maintaining Credit Audit Score of Branches Allocated.
- Monitoring loan Repayment and Portfolio for Policy Purpose.
- Oversaw branch portfolio for 12Mob, prioritising management of retail and strategic loan cases.
- Prepare PAN India Delinquent Cases MIS for monitoring the portfolio
Education
Integrated MBA ( BBA + MBA ) - Finance
Babu Banarasi Das University
Lucknow01-2016
Higher Secondary School certificate (H.S.C) -
Bhartiya Vidya Bhavan
Lucknow01-2012
Secondary School Certificate (S.S.C) -
Red Rose Sr Secondary School
Lucknow01-2010
Skills
- Project management
- Complex problem solver
- Strong decision maker
- Innovative
- Credit analysis techniques
- Financial statement evaluation
- Data analysis
- Risk assessment
- Credit decisions expertise
Certification
- Fundamental of Credit, Corporate Finance Institute, 16125886
- Financial Statements, Corporate Finance Institute, 165888929
- CRISIL Level 1 power Certificate
Timeline
Sr. Credit Manager-CV – CE (New/Used)
IDFC FIRSTBANK LTD
06.2026 - Current
Credit Manager-CV – CE (New/Used)
IDFC FIRSTBANK LTD
10.2021 - 05.2026
Hub Credit Relationship Manager–Auto Loan/CV/Tractor ( New / Used)
HDB FINANCIAL
07.2018 - 10.2021
Deputy Manager-CV/Auto Loan
INDUSIND BANK LTD
02.2016 - 06.2018
Integrated MBA ( BBA + MBA ) - Finance
Babu Banarasi Das University
Higher Secondary School certificate (H.S.C) -
Bhartiya Vidya Bhavan
Secondary School Certificate (S.S.C) -
Red Rose Sr Secondary School