Ashish Ahuja
Mumbai
Summary
Results-driven Area Credit Manager known for productive and efficient task completion. Specialize in risk assessment, credit policy implementation, and stakeholder relationship management. Excel in decision making, problem-solving, and communication, leveraging these soft skills to navigate complex financial landscapes and drive organizational success.
Overview
1
1
Certification
4
4
years of post-secondary education
13
13
years of professional experience
Work History
Area Credit Manager
Poonawalla Fincorp limited
Mumbai
03.2025 - Current
- Leads credit analysis, risk mitigation, and lending operations within a designated region or cluster, ensuring portfolio quality and regulatory compliance.
- Manage the end-to-end credit assessment process for retail, SME, or corporate loan products, ensuring adherence to policies.
- Analyze financial statements, calculate risk ratios, and identify potential delinquencies to maintain a healthy portfolio.
- Authorize loans within designated financial authority levels and review credit memos.
- Supervised, mentored, and monitored performance of credit analysts and underwriting teams, fostering skill development and ensuring adherence to credit policies.
- Partnered with sales and branch managers to align credit policies with business development initiatives, ensuring compliance and supporting growth objectives.
- Conduct client discussions and site visits for high-value cases to verify business operations and property details, enhancing risk assessment accuracy.
- Assist in monitoring collection performance and coordinating with recovery teams.
Credit Risk Manager (UCL,NCL,TWL)
Yes Bank Limited
Mumbai
05.2023 - 03.2025
- Increased efficiency in the underwriting process by designing automated tools for data collection and analysis.
- Negotiated payment plans and loan terms with delinquent customers to improve collection rates.
- Maintained compliance with applicable regulations and laws governing consumer credit.
- Conducted ongoing portfolio performance reviews to identify strengths and weaknesses, informing strategic adjustments.
- Collaborated with sales team and customers to negotiate payments and verify account reconciliations, enhancing customer satisfaction.
Credit Risk Manager (UCL,NCL,TWL)
Bajaj Auto Finance Limited
Pune
09.2019 - 05.2023
- Enhanced understanding of financial statements to effectively assess credit risk.
- Streamlined loan approval process by designing templates for clear presentation of credit analyses to decisionmakers.
- Evaluated emerging risks within the market and recommended adjustments to credit policies to protect against negative impacts on portfolio performance.
- Developed credit models that supported informed credit decisioning.
Credit Manager (UCL,NCL,TWL)
TVS Credit Services Limited
Indore
10.2018 - 09.2019
- Evaluated customers for creditworthiness and identified potential risk factors to inform lending decisions.
- Fostered culture of continuous improvement in credit department, enhancing processes to boost productivity while maintaining quality and control.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Coordinated with sales, management, and other departments to ensure smooth operations across functions.
Branch Operations Manager
AU Small Finance Bank Limited
Indore
02.2017 - 09.2018
- Executed banking, business administration, and financial tasks to ensure exceptional service for clients.
- Established best practices for resolving client issues quickly while maintaining high standards of professionalism.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Developed best practices to resolve client issues promptly while upholding high professionalism standards.
Sales Officer
HDFC Bank
Bhopal
01.2014 - 02.2017
- Identified and qualified new distributors, enhancing market share in key territories.
- Boosted sales performance by targeting high-potential leads to drive growth.
- Increased revenue through implementation of effective sales strategies across entire sales cycle.
Education
Master Of Business Administration - Marketing
School of Management LNCT
Bhopal 05.2010 - 04.2012
Bachelor Of Commerce - Accounting And Finance
Awantika Mahavidyalaya
09.2005 - 04.2008
Skills
- Data analytics
- Python programming
- Structured query language (SQL)
- Advance Excel skills
- SAP fundamentals
- Credit analysis
Certification
- Tally 5.4 & 6.3
Hobbies and Interests
- Travelling
- Sports
Timeline
Area Credit Manager
Poonawalla Fincorp limited
03.2025 - Current
Credit Risk Manager (UCL,NCL,TWL)
Yes Bank Limited
05.2023 - 03.2025
Credit Risk Manager (UCL,NCL,TWL)
Bajaj Auto Finance Limited
09.2019 - 05.2023
Credit Manager (UCL,NCL,TWL)
TVS Credit Services Limited
10.2018 - 09.2019
Branch Operations Manager
AU Small Finance Bank Limited
02.2017 - 09.2018
Sales Officer
HDFC Bank
01.2014 - 02.2017
Master Of Business Administration - Marketing
School of Management LNCT
05.2010 - 04.2012
Bachelor Of Commerce - Accounting And Finance
Awantika Mahavidyalaya
09.2005 - 04.2008