AYUSH AWASTHI
Kanpur
Summary
Seasoned Branch Credit Manager with a proven track record at UGRO CAPITAL, adept in loan underwriting and fostering team excellence. Excelled in credit risk management, significantly enhancing portfolio quality. Mastered policy development and mentoring, ensuring compliance and operational efficiency. Achieved remarkable loan approval rates by leveraging credit analysis and team leadership skills.
Overview
9
9
years of professional experience
Work History
Branch Credit Manager(Secured and Un Secured Loan)
UGRO CAPITAL
Kanpur
08.2024 - Current
- Established standards for evaluating customer credit worthiness prior to approving loan applications.
- Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of Loans
- Used hedging to mitigate financial risks related to interest rates on company's borrowings.
- Prepared and presented regular reports on credit risk exposure and performance to senior management.
- Oversaw the review of credit lines to ensure accuracy of information on file.
- Checked payroll, vendor payments and other accounting disbursements for accuracy and compliance.
- Monitored economic trends and industry developments to proactively adjust credit policies.
- Led, trained, and supervised credit department staff, promoting a culture of high performance and accountability.
- Oversaw credit review process, ensuring timely and accurate assessments.
- Evaluated creditworthiness of applicants based on established criteria such as income level, debt ratio, collateral value.
- Analyzed financial statements, loan applications and credit reports for potential customers.
Branch Credit Manager- Unsecured Business Loan
Aditya birla Financial Services
06.2023 - 08.2024
- Managing credit quality and control delinquencies
- Understanding credit policy and processes as well as credit Environment in the city / branch
- Ensuring 100% screening of new applications
- Ensuring appropriate work allocation
- Investigating on the pre-acquisition fraud
- Managing Weekly and Monthly MIS and Trackers
- Assessing training needs To accelerate the team's performance
- Frequently checking on feedback going to business
- Monitoring and enforcing approval rate and TAT as per prescribed Standards
- Co-ordinating with Business team for resolving queries
- Sharing the best practices and trend for respective locations
- Managing manpower requirements on timely basis
- Performing assessment duties within the defined risk philosophy of the company
- Credit appraisal of loan applications Within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities
- Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of Loans
- Interacting with customers and co-lending partners to regularly monitor delinquencies and early warning triggers
- Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required
- Promoting the culture of teamwork within the team
- Monthly analysis of parameters like customer base, industry/ segment profile, loan average ticket size and tenure, if are Within the decided norms
- Keeping a close eye on market and economic developments relevant for our business and Share the learnings within the team
- Working on multiple MIS to keep track on the total customers added in the master list, business done and month wise Achievements of the Relationship Managers
- Taking calls on the loans to be sanctioned to the borrower keeping in mind the internal credit policies of the company And the risk-appetite of the borrower
Branch Credit Manager- in Secured and Unsecured Business Loan/ CC/OD/LAP
Bajaj Finserv Ltd.
06.2022 - 06.2023
- Evaluating the creditworthiness of potential customers
- Creating credit scoring models for risk assessments
- Approving and rejecting loans based on available data with PD
- Negotiating the terms of the loan with new clients
- Ensuring all loans and lending procedures comply with regulations
- Maintaining records of all company loans
- Monitoring loan payments and bad debts
- Reviewing and updating the company's credit policy
Credit Manager - In Unsecured Business loan
Bandhan Bank Ltd.
02.2021 - 06.2022
- Evaluating the creditworthiness of potential customers
- Creating credit scoring models for risk assessments
- Approving and rejecting loans based on available data with PD
- Negotiating the terms of the loan with new clients
- Ensuring all loans and lending procedures comply with regulations
- Maintaining records of all company loans
- Monitoring loan payments and bad debts
- Reviewing and updating the company's credit policy
Credit Executive - In Unsecured Business loan
Fortune Credit Capital Ltd.
03.2018 - 02.2021
- Company Overview: formerly know as United petro Finances
- Preparation of CAM and pitching it to Credit Manager
- Basic scrutiny of documents and primary decisions
- Personal Discussion and Business verification for files login
- Ensuring smooth Processing of Loan Files from login till disbursal
- Co-Ordination with HO Team
- Preparation and presentation of MIS for review by seniors
- Resolving of audit queries of disbursed files
- Formerly know as United petro Finances
Credit Executive - In Tractor Loan
TATACAPITAL FINANCIAL SERVICES Ltd.
04.2016 - 03.2018
- Processing of Loan Files
- Cam preparation, TVR, and final recommendation to SCH
- Maintain daily MIS and MIS Compilation of around UP's locations
- Resolving of audit queries of disbursed files
- Co Ordination with CPC team
Education
M.B.A - FINANCE and HR
Shubharti University
Meerut01.2019
B.C.A -
Kanpur University
KANPUR01.2015
Senior Secondary -
U.P.BOARD
01.2012
Higher Secondary -
U.P.BOARD
01.2009
Skills
- Loan underwriting
- Team management
- Debt restructuring
- Credit analysis
- Credit scoring
- Credit risk management
- Credit evaluations
- Risk analysis
- Mentoring and training
- Policy development
Place
Kanpur, Uttar Pradesh
Hobbies and Interests
- Gym and fitness
- Gaming and streaming
- Traveling
Professional And Academic Qualifications
- Higher Secondary, U.P. BOARD, 2009
- Senior Secondary, U.P. BOARD, 2012
- Graduate (B.C.A), Kanpur University, 2015
- Post Graduate (M.B.A), Finance and HR, Shubharti University Meerut, 2019
Personal Information
- Father's Name: Late Shiv Kumar Awasthi
- Mother's Name: Mrs. Kiran Awasthi
- Date of Birth: 11/11/92
- Marital Status: Single
Timeline
Branch Credit Manager(Secured and Un Secured Loan)
UGRO CAPITAL
08.2024 - Current
Branch Credit Manager- Unsecured Business Loan
Aditya birla Financial Services
06.2023 - 08.2024
Branch Credit Manager- in Secured and Unsecured Business Loan/ CC/OD/LAP
Bajaj Finserv Ltd.
06.2022 - 06.2023
Credit Manager - In Unsecured Business loan
Bandhan Bank Ltd.
02.2021 - 06.2022
Credit Executive - In Unsecured Business loan
Fortune Credit Capital Ltd.
03.2018 - 02.2021
Credit Executive - In Tractor Loan
TATACAPITAL FINANCIAL SERVICES Ltd.
04.2016 - 03.2018
M.B.A - FINANCE and HR
Shubharti University
B.C.A -
Kanpur University
Senior Secondary -
U.P.BOARD
Higher Secondary -
U.P.BOARD
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