CA. BHAGAT SINGH
B.Com &Chartered Accountant
Chandigarh,CH
Summary
Smartworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services. Highly-qualified and experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss and building quality portfolio.
Overview
9
9
years of post-secondary education
8
8
years of professional experience
Work History
Area Credit Manager
Aavas Financiers Ltd
Mohali, Punjab
04.2020 - Current
- Team Handling profile where a team of expert Credit Managers across assigned branches to be trained and put to work and supervise their performance.
- Compliance of laid down process and polices to achieve 100% audit complied team.
- Underwriting Home Loans and Loans against Property within prescribed turnaround time.
- Maintaining prescribed approval rate and quality of portfolio.
- Efficiently engaging with customers and creating customer delight experiences for better reach in the market.
- Training of counter parts and team on various changes in process and policies from time to time.
- Responsible to report on weekly and monthly basis to management about quality of portfolio and business achieved and future plans.
Area Credit Manager
IIFL Home Finance Ltd
Gurugram, HARYANA
09.2017 - 04.2020
Credit Manager
AXIS BANK LTD
09.2015 - 12.2017
Branch Credit Manager
PNB HOUSING FINANCE LTD
Karnal, Haryana
06.2015 - 09.2015
Branch Credit Manager
Bajaj Finance Ltd.
Panipat, Haryana
09.2013 - 06.2015
- Worked with Bajaj Finance Ltd as Credit Manager-Personal and Salaried business Loans and SME-secured loans.
Executive- Direct and Indirect Taxes
S.S BATRA & CO
Gurgaon, Haryana
01.2013 - 08.2013
- Worked with Professional Direct taxes and Indirect Taxes advocate as Chartered Accountant to understand the taxation regime in India.
Education
Bachelor of Commerce - Commerce
Panjab University
Chandigarh 04.2003 - 04.2006
Chartered Accountant - Commerce
The Institute Of Chartered Accountant Of India
New Delhi 07.2006 - 11.2012
Skills
CreditFinanceFinancialInterpretationLegalPresentingReporting
Policy application
Fraud knowledge
Investigations
Policy application
Performance monitoring
Risk mitigation
Relationship building and management
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Additional Information
- Permanent Address: House no R83, Sec-74, Residential Area Phase 8B, Mohali (Punjab)-160071 Marital Status
Timeline
Area Credit Manager
Aavas Financiers Ltd
04.2020 - Current
Area Credit Manager
IIFL Home Finance Ltd
09.2017 - 04.2020
Credit Manager
AXIS BANK LTD
09.2015 - 12.2017
Branch Credit Manager
PNB HOUSING FINANCE LTD
06.2015 - 09.2015
Branch Credit Manager
Bajaj Finance Ltd.
09.2013 - 06.2015
Executive- Direct and Indirect Taxes
S.S BATRA & CO
01.2013 - 08.2013
Chartered Accountant - Commerce
The Institute Of Chartered Accountant Of India
07.2006 - 11.2012
Bachelor of Commerce - Commerce
Panjab University
04.2003 - 04.2006