Traveling
Bhikaji Kaspate
Credit manager
Pune
Summary
To work with an organization that gives an opportunity to learn and grow and to seek a progressive and opportunistic career in the field of Management & Accounts
Overview
11
11
years of professional experience
Work History
Credit Manager For Home Loan & LAP
Equitas Small Finance Bank Ltd
8 2023 - Current
- Having credit Approval Authority up to 30 Lacs for Home loan and LAP.
- Oversaw reporting, documentation and recordkeeping requirements for department
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Credit appraisal for loan ticket size up to 100 Lacs, Physical PD at customer business premises.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Compiled data critical to analysis of annual bad debt.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Referred delinquent accounts to collections department or outside resources
Deputy Credit Manager for Home Loan & LAP
Bajaj Housing Finance Limited
10.2021 - 08.2023
- Having credit Approval authority up to 100 lacs for Home loan & LAP.
- Ability to analyze economic trend and make decision.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Evaluated loan structures and ensure credit standards according to company goals and policies
- Collaborated with sales teams to ensure customer creditworthiness, maintaining a healthy balance between business growth and risk mitigation.
- Handling the Team of Credit officers and CPA.
Credit Processing Associate For Business Loan
SMFG India Credit (Formerly Fullerton India)
09.2018 - 10.2021
- Checking of completeness of documents for login of Business Loan Files Basic data entry of submitted complete application.
- Login the system by entering the personal details, banking details, income details and loan requirement details of applicant.
- Forwarding loan case to credit manager for further decision on loan approval or decline.
- Preparation of CAM (Credit Appraisal Memo)
- Analysis financial statements and credit history to better understand how much risk could be involved in extending credit to customers
- Checking of completeness of documents for login of Business Loan Files Basic data entry of submitted complete application.
- Completed loan request summaries and credit analyses as part of the loan application to submit the information to approval committees.
- Checking disbursement kit as per company policy to insure legitimate loan disbursement.
- Preparing credit appraisal Memo, eligibility calculator and recommending to Credit Manager
- Conducting personal discussion with customers
- Coordinate with team member to finish the work effectively as a team.
- Timely Co-ordination with vendor for CPV reports, PD reports, CPV Billing, PD Billing, Data Purging Latter & No Due Certificate
Credit Process Assistant
Fullerton India Credit Company Ltd. (payroll On Caliber HR Business Support Services Pvt Ltd)
03.2016 - 08.2018
- Ensure proper compliance of company policies, legal & regulatory regulations in loan sanctioning, disbursements and post disbursement process.
- Completed loan request summaries and credit analyses as part of the loan application to submit the information to approval committees.
- Identify and assess credit and other risk areas.
- Preformed activities to quickly and efficiently provide new and existing customers with the appropriate credit and credit terms while systematically collecting customer payments in a timely manner.
- Checking disbursement kit as per company policy to insure legitimate loan disbursement.
- Evaluated customer applications and determine credit limits.
- Co-ordination with vendors for verification reports, personal discussion reports.
- Prepared daily & monthly MIS for ROMG for CPV and PD Billing, login & disbursement MIS.
- Handling RCU process for ROMG Location.
Executive
Indusind Bank Ltd
09.2013 - 03.2016
- Checking of completeness of documents for login of personal Loan and credit card files basic data entry of submitted complete application.
- Completed loan request summaries and credit analyses as part of the loan application to submit the information to approval committees.
- Carry out detailed and independent credit evaluation for underwriting.
- Maintain and publish the consolidated MIS for Rest of Maharashtra & Rest of Goa Location
- Interviewed, recruited and trained new onboarding candidates.
- Co-ordinate between Branches and Product team Central process discrepancy Resolves for credit cards & personal files
- Review invoices both paid and outstanding and record them for future reference.
Education
Master of Business Administration - Finance And Marketing
Savitribai Phule Pune University
Bachelor of Arts -
Dr. Babasaheb Ambedkar Marathwada University.
Aurangabad 04.2001 -
Skills
Credit Reports
Performance Improvements
Fraud Knowledge
Performance Improvements
Decision-Making
Team Building Leadership
Interests
Cricket Playing
Making new friends
Listening Music
Languages
English
Hindi
Marathi
Custom
I hereby declare that the above information given by me is true & correct to the best of my knowledge and belief.
Timeline
Deputy Credit Manager for Home Loan & LAP
Bajaj Housing Finance Limited
10.2021 - 08.2023
Credit Processing Associate For Business Loan
SMFG India Credit (Formerly Fullerton India)
09.2018 - 10.2021
Credit Process Assistant
Fullerton India Credit Company Ltd. (payroll On Caliber HR Business Support Services Pvt Ltd)
03.2016 - 08.2018
Executive
Indusind Bank Ltd
09.2013 - 03.2016
Bachelor of Arts -
Dr. Babasaheb Ambedkar Marathwada University.
04.2001 -
Credit Manager For Home Loan & LAP
Equitas Small Finance Bank Ltd
8 2023 - Current
Master of Business Administration - Finance And Marketing
Savitribai Phule Pune University
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