Aravind Kushwaha
Credit Analyst
Lucknow
Summary
Experienced in driving productivity in competitive business environments through a results-oriented approach. Proven track record of enhancing cost efficiency, quality, and service delivery. Committed to continuous improvement in work performance to maximize business effectiveness.
Overview
11
11
years of professional experience
2
2
Languages
Work History
Credit Manager
Aditya Birla Finance Ltd
Lucknow
05.2025 - Current
- Examine credit applications for Supply Chain Cases Anchor back by 5 Crore and PID cases for 3 crore.
- Vendor Finance and TreDs cases for INR 5 Crore exposure.
- Collaborate with Business team to enhance project outcomes
- Conduct regular internal control audits to enhance compliance and operational efficiency.
- Oversee credit monitoring of active cases to extract customer insights on product usability.
- Conducted physical and telephonic PD of SCF cases across multiple locations in North India.
- Creation of Credit Appraisal document.
- Maintaining TAT for active cases.
Cluster Credit Manager
Mintifi Finserve Pvt. Ltd
Chandigarh
04.2022 - 04.2025
- Credit assessment for supply chain finance cases.
- Collaboration with Business team.
- Monthly Compliance Auditing.
- Conduct credit monitoring of active cases to gather customer feedback on product
- Physical and telephonic PD of SCF cases for entire Punjab, Himachal, Jammu & Kashmir, Chandigarh, and parts of Haryana.
- Preparation of Credit Appraisal Note.
- Sustaining TAT of active cases.
Credit Officer
NeoGrowth on Roll of (Calibehr)
Chandigarh
01.2017 - 04.2022
- Credit Underwriting for Unsecured Business Loan.
- Disbursement Process handling.
- Coordination with Business team.
- Monthly Internal Control Auditing.
- Verification of Physical File Docs.
- CAM & CAN Preparation.
- Active Check of Verification and FCU reports.
Accounts Executive
AKR & Associates
Chandigarh
06.2015 - 12.2016
- Data Entry of financial transaction in Tally.
- CA PD for Various Financial Institution likes Reliance, Tata Capital, L&T, India bulls, Capital First, Fullerton and Aditya Birla.
Education
M.Com - undefined
Faizabad University
01.2014
B. Com - undefined
DDU University
Gorakhpur01.2012
Senior Secondary Board - undefined
Senior Secondary Board
UP01.2009
Secondary Board - undefined
Secondary Board
UP01.2007
Skills
MS Office
Word
Excel
Financial Analysis
Banking
Customer Profile
Credit Rating Report
Accomplishments
Awarded with Employee of the Month in November-2017 and December 2019.
Interests
Listening Music
Playing Cricket
Personal Information
- Father's Name: Gorakhnath Kushwaha
- Date of Birth: 15 June 1990
- Gender: Male
- Marital Status: Married
Technical Qualifications
- Diploma in Computer Application.
- Computer Hardware and Software Installation.
Job Skills
- Decent Knowledge of MS office Likes-Word, Excel, and PPT.
- Well Understanding of Financial, banking and Ratio Analysis.
- Well versed with non-financial checks of Customer Profiles.
- Good Understanding of CIBIL and Credit Rating Report.
Personal data processing
I hereby declare that all the above-mentioned information provided by me is true and I shall be held Responsible, if the above information given is wrong.
Timeline
Credit Manager
Aditya Birla Finance Ltd
05.2025 - Current
Cluster Credit Manager
Mintifi Finserve Pvt. Ltd
04.2022 - 04.2025
Credit Officer
NeoGrowth on Roll of (Calibehr)
01.2017 - 04.2022
Accounts Executive
AKR & Associates
06.2015 - 12.2016
M.Com - undefined
Faizabad University
B. Com - undefined
DDU University
Senior Secondary Board - undefined
Senior Secondary Board
Secondary Board - undefined
Secondary Board