CA Dixit Mahajan
Chandigarh
Summary
Dedicated credit manager with high integrity and deep knowledge of the field bringing several years of related experience to support business financial needs. Specializing in credit administration.
Overview
18
18
years of professional experience
Work History
Credit Manager
Axis Bank
Chandigarh
08.2022 - Current
- Responsible for credit appraisal and sanctioning within the TAT defined.
- Handling medium tickets for home loans and LAP up to 5 cr.
- Evaluating salaried and self-employed clients by identifying risks associated with them and finding alternatives to mitigate those risks.
- Ensuring compliance with retail credit policy and the guidelines of the bank, along with compliance with the audit.
- Initiate training for stakeholders, Axis Sales, and the CPC team on policy and process changes.
- Timely closure of high-risk issues raised by assurance function.
- New Initiatives, process improvements, policy feedback, participation in pilot runs.
- Checking legal and technical aspects, and clearing the docket for disbursement after checking all relevant documents in the file.
Credit Manager
AU Small Finance Bank
Zirakpur
08.2018 - 08.2022
- Complete customer assessment by visiting business place, residence, and security proposed.
- Preparation of customer assessment Memo and cash flow analysis including bank credits.
- Assessment of credit appraisal including legal and technical aspect.
- Recommendation /underwriting of proposals with adherence to company policies and procedures.
- Complete credit check, Compliance of Documentation and signing off disbursement.
- Managing and complying Over the counter/post disbursal documents and ensuring compliance of company's norms.
- Managing early delinquencies to ensure that portfolio is healthy and there are no Non starter cases.
- Audit query resolution.
Manager-Operations
Indusind Bank Limited
05.2016 - 08.2018
- Ensuring all Dealer & customer payment get released within time after checking credit approval and required documents.
- Post disbursement it is to ensure that all files are accounted properly and creating customer liability for us.
- Ensuring that all collection happens in branches or in field are accounted properly and deposited in banking arrangement.
- Ensuring minimum exception relating to CMS; keeping a hawk eye on cash reports that no cash should be unrealized for more than 2 days and instruments for more than 3 days.
- Ensuring that all employee and service provider payments are released after checking approval from competent authority.
- Ensuring that all branches are equipped with requisite IT infrastructure.
- Management of Collection Machines.
- Visiting branches and ensuring that branches adhering to the process laid by management.
- Settlement and changing flag of contract as per their actuality.
- Statement of Account Rectification entries/JV.
Team Leader-Finance
Hyatt Regency Chandigarh
10.2015 - 05.2016
Assistant Manager-Accounts & Audit
Ajay Raj & Associates, CA Firm
12.2012 - 10.2015
Article Assistant
Asim Jain & Associates
05.2008 - 09.2010
Article Assistant
Bindu Aggarwal & CO.
01.2007 - 02.2008
Skills
- Analytical ability
- Attention to detail
- Financial acumen
- Ethical judgement and integrity
- Risk assessment capabilities
Academic Pursuit
- 2012, CA. Final.
- 2009, B.com (Hons.), DAV College, Chandigarh.
- 2006, 12th, Shishu Niketan School, Chandigarh.
- 2004, 10th, GMSSS 22, Chandigarh.
Languages
English
Proficient
C2
Hindi
Proficient
C2
Punjabi
Proficient
C2
Timeline
Credit Manager
Axis Bank
08.2022 - Current
Credit Manager
AU Small Finance Bank
08.2018 - 08.2022
Manager-Operations
Indusind Bank Limited
05.2016 - 08.2018
Team Leader-Finance
Hyatt Regency Chandigarh
10.2015 - 05.2016
Assistant Manager-Accounts & Audit
Ajay Raj & Associates, CA Firm
12.2012 - 10.2015
Article Assistant
Asim Jain & Associates
05.2008 - 09.2010
Article Assistant
Bindu Aggarwal & CO.
01.2007 - 02.2008