AVNEET KAUR BAGGA
Credit Manager
Navi Mumbai
Summary
- Targeting assignments in Credit Management in Banking industry. Location Preference: Mumbai / Navi Mumbai.
- A result-oriented professional with 8 years of experience.
- Skilled in utilizing credit analysis skills to determine cash flow capability.
- Designed and implemented systems & procedures to ensure timely availability of business information necessary to facilitate critical decision-making process.
- Ensure compliance with all credit underwriting applicable regulations.
- Evaluate credit proposals covering financial, business & industrial risk, and decisioning of the loan.
- Consult with customers to resolve complaints and verified financial & credit transactions.
Overview
8
8
years of professional experience
4
4
years of post-secondary education
2
2
Certifications
4
4
Languages
Work History
Assistant Credit Manager
KFCPL
09.2024 - Current
- Assessing creditworthiness by evaluating a borrower's ability to repay loans by analyzing financial statements for their supply chain financing needs.
- Improved credit approval process by implementing streamlined procedures and utilizing risk analysis tools.
- Identified key market risks through industry trend analysis, enabling strategic adjustments to credit approaches.
- Possess in-depth knowledge of Loan Processing Life Cycle starting from initial loan inquiries, CIBIL and background check, credibility analysis, documentation to disbursement of loan applications.
- Buhay, Philippines is a valued partner, and we work together to design and deliver customized term loans and supply chain financing solutions that meet their unique business needs.
Credit Manager
Kotak Mahindra Bank
01.2022 - 08.2024
- Reviewing & assessing a broad range of complex loan applications within defined guidelines and accordingly taking decision or recommending for approval to higher authorities for Home Loan (Mumbai location) and Loan Against Property (Pune location).
- Underwriting proposals as per the laid down policies & procedure to honor and manage the city/area business volumes.
- Conducting personal discussion with customers to establish credit worthiness and ensuring completion of credit/KYC documents and verification - telephonic, field & collateral visits.
- Single-handedly managed LAP Vishwas loans for Pune location, streamlining the process and delivering outstanding results of 100% disbursal rate along with maintaining high-quality service standards and regulatory compliance.
Branch Credit Manager
HDB Financial Services
06.2017 - 01.2022
- Maintaining Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
- Managing the credit underwriting function of the branch and facilitating quick turnaround of credit lending proposals in close liaison with the Sales Team.
- Interacted with other functions such as sales / Operations/ Collections / Policy/ and so on in ensuring smooth day to day functioning at the location.
- Coordinated with agencies for proper sampling / screening of files for fraud prevention.
- Played a key role in outperforming the company’s average achieved loan processing turnaround time of 3 days or less (compared to typical 5 days).
- Promotion from MT – CRM in a span of 7 months and CRM – BCM in a span of 1.5 years
Education
MBA - Finance
MIT College of Management
01.2017 - 12.2017
BBA - Finance
MIT College of Management
01.2015 - 12.2015
XII - Commerce
Sardar Dastur Juniour College
01.2012 - 12.2012
X - undefined
St. Helena's High School
01.2010 - 12.2010
Skills
- Credit Appraisals
- Underwriting
- Credit Operations
- Financial Analysis
- MIS & Management Reporting
- Risk Management
- Customer Relationship Management
- Time Management
Certification
2019, Interior Designing, Times and Trends Academy, Pune and Furniture Design Course, City of Oxford College (Rycotewood Furniture Centre), Oxford, UK.
Extra-Curricular Activities
Licensed Zumba Fitness Instructor
Internship
H & R Block India Pvt. Ltd., Tax Expert / Consultant, Pune
- Income Tax E-Filing for Salaried Individual in India Considering Various Channels of H & R Block, Gained working knowledge of E-filing Income Tax Returns using the suitable ITR form.
- Recognized twice as the Best Employee within 2 months.
Personal Information
- Mumbai
- Navi Mumbai
- Date of Birth: 12/08/94
Timeline
Assistant Credit Manager
KFCPL
09.2024 - Current
Credit Manager
Kotak Mahindra Bank
01.2022 - 08.2024
Branch Credit Manager
HDB Financial Services
06.2017 - 01.2022
MBA - Finance
MIT College of Management
01.2017 - 12.2017
BBA - Finance
MIT College of Management
01.2015 - 12.2015
XII - Commerce
Sardar Dastur Juniour College
01.2012 - 12.2012
X - undefined
St. Helena's High School
01.2010 - 12.2010
Similar Profiles
SUSHANT KUMARSUSHANT KUMAR
Sr Manager- CNOC Team at Reliance JioSr Manager- CNOC Team at Reliance Jio
Ayoushi SharmaAyoushi Sharma
Science and SST Teacher at SNG International SchoolScience and SST Teacher at SNG International School
Tushar PatelTushar Patel
Deputy Vice President at RtvTech Systems Pvt LtdDeputy Vice President at RtvTech Systems Pvt Ltd