Chandra Bhan Singh
Jaipur,India
Summary
Looking for a challenging position in a professional and dynamic organization, where I can enhance my skill and strength in conjunction with Company's goals and objectives with independent responsibility.
Overview
10
10
years of professional experience
8
8
years of post-secondary education
Work History
Area Credit Manager
Capri Global Housing Finance Limited
Jaipur , India
10.2022 - Current
- Optimised credit approval and collection processes, improving operational efficiencies by over 100%.
- Manager Take care of Proposal of Home loan and Loan against Property
- Currently Handling Branches of Jaipur, Chomu, Sikar, jhunjhunu, ,Shahpura Kotputli Reengus
- Having Reporting of 10 Credit officer and 5 Branch Credit Manager
- Sanction Authority upto 25.0 lac Loan Amount and PD Authority of Up to 75.0 Lacs
- Utilised deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Monitored accounts for signs of fraud and non-payment issues for swift resolution.
- Investigated and evaluated customers for credit worthiness and potential risk factors.
- Streamlined Credit processes for early identification of potential credit system and monitoring problems.
- Collaborated with management to evaluate credit strategies and develop improvements.
Portfolio Manager (Senior Manager)
HDFC Bank Ltd
Ganganagar , Rajasthan
09.2021 - 04.2022
- Responsible for High Ticket Exposure of working Capital and Term Loan of Ticket Size from 10.0 Lac to 250 Lacs within the Territory.
- Managed Working Capital Portfolio of 4 Branches of Ganganagar Location (Padampurpur,Suratgarh, Sadulsahar and Sri Karanpur)
- Joint Visit with Branch Manager on High Exposure Customer and understand the financial of Customer and personal Discussion with Customer on his Requirement
- Reviewed business plans to verify capability of applicants to repay loans.
- Managed business credit reports using relevant research, investigation methods and data to provide evidence for recommendations.
Senor Credit Manager
Fullerton India Credit Company Limited
Jaipur , Rajasthan
08.2019 - 09.2021
- Responsible for Credit Underwriting of Mortgage Loan upto Ticket size 5.0 Lac to 50.0 Lac
- High portfolio quality for LAP in the location, while maintaining excellent service levels (TAT) to the customer (both internal and external customers), with very low defects/reworks, and increasing efficiency of operations and vendor competence improvement
- Adherence to the policy/process laid out by the Central team on all application being processed
- Close monitoring on non-starters/ Cheque bounce trends and knowing channels and their sourcing pattern
- Giving Feedback to channels/Vendors on a monthly basis on their performance levels and taking corrective action to improve the efficiency of vendors
- Channel risk management by identifying and knowing all channels and identifying good and bad channels
Credit Manager
IDFC First Bank Limited
Jaipur , Rajasthan
04.2017 - 08.2019
- Responsible for credit underwriting of SME lending both Mortgage & unsecured proposal as per the laid down credit policies & procedure to honor the agreed SLAs
- Conduct personal discussion with SME customers in Jaipur area to establish Credit worthiness
- Overall credit appraisal
- Prepare Credit Appraisal Memo (CAM)
- Coordinate with sales to achieve targets and ensure
- TAT or SLAs are met
- Responsible for Secured and Unsecured to Take Fast Decision within TAT
- Coordinate with FI Agency and RCU Agency work within TAT
- Property Visit on LAP Cases and Verifying the Property Docs from the Vendor (Legal and
- Valuation) and Take Decision on within Receptive TAT
- Assist in Predictive Portfolio Performance Design and Implementation including development of analytic frame work, performance trigger and predictive forecasting triggers in portfolio management.
Manager Credit
Indian School Finance Company Pvt Ltd
Jaipur , Rajasthan
07.2016 - 04.2017
- Credit Underwriting of Loan Against Property, and Unsecured Loan
- Responsible for Underwriting of School, College, ITI College, Educational Institute and Teachers Loan.
- Travelling across Rajasthan and Physical Verification of School or College. Also Investigate the Property Docs and Property under Secured Product .
- Investigated and evaluated customers for credit worthiness and potential risk factors.
- Defined locations, School and College to drive product with sales Team and foster brand expansion.
- Achieved business objectives and benchmarks through strategic planning.
Credit Manager
HDB Financial Services Limited
Jaipur , Rajasthan
05.2015 - 06.2016
- Responsible for Credit Monitoring in Loan against Property, Personal Loan, Business Loan and Car Loan.
- Met with applicants to collect information about personal histories, current loans and income.
- Updated client records with successful credit and loan applications.
- Reviewed and submitted applications to management with recommendations.
- Documented client applications for personal, business and mortgage loans.
Credit Manager
Fullerton India Credit Company Ltd
Didwana , India
12.2013 - 05.2015
- Responsible for Credit Underwriting of Personal, Loan, Business Loan, Two Wheeler Loan, Commercial Vehicle Loan and Mortgage Loan within the Territory.
- Investigated and evaluated customers for credit worthiness and potential risk factors.
- Facilitated identification, analysis and corrective action planning for corporate-wide risks.
- Assessed risk reporting processes to verify inclusion of all tactical, technical and strategic risks and issues.
- Supported and standardised risk management processes and updated SOPs to reflect changes.
Education
Master of Business Administration - Banking and Finance
Jaipur National University
Jaipur, Rajasthan 04.2017 - 03.2019
Graduation - Commerce
University of Rajasthan
Jaipur, Rajasthan 06.2007 - 04.2012
Senior - Commerce
Vishwakarma Senior Secondary School
Jaipur, Rajasthan 04.2004 - 05.2005
Skills
- COMPUTER PROFICIENCY
- Packages
- MS Office 2000, Excel, Word
- Operating system Window 98, Window 2000
- Internet Awareness surfing E mail
- KEY STRENGTHS
- Hardworking, Innovative, Sincere, Energetic and Adaptive with good Communication Skills
Timeline
Area Credit Manager
Capri Global Housing Finance Limited
10.2022 - Current
Portfolio Manager (Senior Manager)
HDFC Bank Ltd
09.2021 - 04.2022
Senor Credit Manager
Fullerton India Credit Company Limited
08.2019 - 09.2021
Credit Manager
IDFC First Bank Limited
04.2017 - 08.2019
Master of Business Administration - Banking and Finance
Jaipur National University
04.2017 - 03.2019
Manager Credit
Indian School Finance Company Pvt Ltd
07.2016 - 04.2017
Credit Manager
HDB Financial Services Limited
05.2015 - 06.2016
Credit Manager
Fullerton India Credit Company Ltd
12.2013 - 05.2015
Graduation - Commerce
University of Rajasthan
06.2007 - 04.2012
Senior - Commerce
Vishwakarma Senior Secondary School
04.2004 - 05.2005
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