ASHISH SINGH
Greater Noida
Summary
Dynamic credit manager with a track record of success at Bank of Maharashtra, specializing in credit assessment and risk mitigation. Led a ₹325 crore MSME portfolio, improving lending strategies and team performance. Strong negotiation skills and financial analysis expertise drive results and enhance client relationships while ensuring compliance and operational excellence.
Overview
1
1
Certification
7
7
years of professional experience
Work History
Credit Manager and Branch Manager
Bank of Maharashtra
Nashik
08.2023 - Current
- Oversaw credit department operations managing MSME portfolio valued at ₹325 crore.
- Trained team members on credit assessment procedures, enhancing expertise and decision-making accuracy.
- Analyzed market trends to align credit products with demand, informing lending strategies.
- Assessed customer creditworthiness using financial reports and payment histories.
- Evaluated applications for credit limits according to established guidelines.
- Reviewed accounts for fraud indications and non-payment issues, ensuring risk mitigation.
- Ensured timely processing of credit transactions while maintaining accuracy.
- Negotiated manageable repayment plans with debtors, reducing potential defaults.
Branch Trade Finance Section In-Charge
South Indian Bank
New Delhi
10.2021 - 07.2023
- Managed payments for documents presented under letters of credit, ensuring compliance and timely settlements for international transactions.
- Presented bills under letters of credit for timely collection.
- Processed UBD and DBD LC limits for clients, ensuring compliance with regulations.
- Ensured adherence to UCP600 guidelines during bill purchasing and discounting.
- Scrutinized documents submitted for bill discounting to verify accuracy, mitigating risk and ensuring adherence to financial regulations.
- Processed cash credit and overdraft limits for large corporate files exceeding 5 crore, facilitating timely funding for client operations.
- Resolved client inquiries regarding payment, LC lodgement, and document collection.
- Monitored transaction processing to meet stipulated timelines.
Branch Operation Manager
South Indian Bank
Hyderabad
10.2019 - 10.2021
- Ensured compliance with banking regulations through meticulous loan disbursement documentation.
- Approved loans and credit lines while maintaining rigorous evaluation standards.
- Reviewed loan requests to enhance resource allocation and expedite processing timelines.
- Streamlined operational processes to improve branch workflow and reduce processing time.
- Analyzed profit and loss statements to uncover actionable strategies for branch profitability.
- Prepared comprehensive monthly and quarterly reports to provide strategic insights.
- Conducted risk assessments and developed essential documentation for regulatory adherence.
- Supervised customer service initiatives to foster a positive banking experience.
Education
MBA - Banking and Finance
Manipal University
Bengaluru12-2023
Post Graduate Diploma - Banking & Finance
Manipal University
Bengaluru09-2019
Bachelor's Degree - Mechanical and automation Engineering
Guru Gobind Singh Indraprastha University
Delhi07-2017
Higher Secondary School -
CBSE
KENDRIYA VIDYALAYA01-2012
High School -
CBSE
KENDRIYA VIDYALAYA01-2010
Skills
- Credit assessment
- Credit evaluation
- Fraud detection
- Loan assessments
- Loan policy limits
- Underwriting expertise
- Risk assessment
- Risk mitigation
- Compliance management
- Regulatory adherence
- Research diligence
- Cash management
- Transaction management
- Management software
- Banking applications
- CBS
- Finacle 10X
- CRM
- MS Excel
- MS Word
- PowerPoint
- MS Office
- Customer management
- Team management
- Performance evaluation
- Lending tactics
- Document validation
- Negotiation skills
- Problem solving
- Research diligence
- Cash management
- Credit evaluations
- Loan policy limits
- Financial analysis
Certification
- Certification (NISM - Series - V - A: Mutual Fund Distributors) from NISM.
- Certification of AML - KYC (ANTI MONEY LAUNDERING - KNOW YOUR CUSTOMER) from Indian Institute of Banking and Finance.
- Financial Analyst Certification from Udemy.
- Certification (NISM -Series -VI -A: Depository Operations Certification Examination) from NISM.
- JAIIB from Indian Institute of Banking and Finance.
- Certification: The Power of Microeconomics: Economic Principles in the real world from Coursera (University of California, Irvine).
- Certification: Google analytics for Beginners, Advanced Google Analytics from Google Analytics Academy and Email Marketing Certified from Hotspot Academy.
Languages
- Hindi
- English
Personal Information
- Father's Name: Ramveer Singh
- Mother's Name: Ratnesh Devi
- Spouse's Name: Vanshita Thakur
- Date of Birth: 03/16/95
- Nationality: Indian
Disclaimer
I hereby declare that information given above is correct to the best of my Knowledge., 07/07/56, Nashik
Timeline
Credit Manager and Branch Manager
Bank of Maharashtra
08.2023 - Current
Branch Trade Finance Section In-Charge
South Indian Bank
10.2021 - 07.2023
Branch Operation Manager
South Indian Bank
10.2019 - 10.2021
MBA - Banking and Finance
Manipal University
Post Graduate Diploma - Banking & Finance
Manipal University
Bachelor's Degree - Mechanical and automation Engineering
Guru Gobind Singh Indraprastha University
Higher Secondary School -
CBSE
High School -
CBSE