Chirag Kriplani
Pune
Summary
Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability.
Overview
7
7
years of professional experience
8
8
years of post-secondary education
1
1
Certification
Work History
Deputy Credit Manager
HDFC Ltd
1 2021 - Current
- Implemented new software: Vault Edge, resulting in reduction of approximately 20% turnaround time for credit applications
- Spearheaded automation process for evaluating credit applications in Gujarat Region, leveraging AI and CIBIL score, resulting in reduction of manual efforts by around 30%
- Achieved better operational efficiencies by around 13% through implementation of SOPs for credit professionals, ensuring desired TAT
- Led team of 7 credit coordinators successfully
- Reported directly to Head of Hub
- Functioned as Subject Matter Expert (SME) for knowledge transfer, streamlining processes, and mentoring new employees.
- Developed customized credit policies for various client segments, optimizing repayment plans and minimizing default rates
- Evaluated market trends and industry developments to keep abreast of potential changes impacting the company''s risk exposure
Branch Credit Manager
Kotak Mahindra Prime Ltd
01.2017 - 01.2021
- Achieved 8% increase in Net Profit per quarter by fostering strong customer relationships through consistent communication and awareness, leading to substantial 15% sales growth
- Trained 9 credit co-ordinators, effectively managing their performances and responsibilities
- Recognized for consistently surpassing targets by reviewing over 200 applications within 1 year
- Conducted data collection and performed trend and variance analysis to mitigate risks, resulting in a reduction of bad debts by around 1.2% after COVID-19 pandemic.
Education
Bachelor of Commerce - Accountancy
Gujarat University
Ahmedabad, India 01.2012 - 04.2015
Higher Secondary Education - undefined
Carmel Convent High School
Junagadh, India 01.2010 - 04.2012
Secondary School Education - undefined
Carmel Convent High School
Junagadh, India 01.2010 - 04.2012
Skills
Proficient in Financial planning and analysis, including Budgeting, Credit Analysis, and Ratio Analysis
Demonstrates Excellent Attention to Detail in Financial Analysis and Reporting
Possesses strong Analytical and Critical Thinking abilities
Problem Solver with ability to identify and address financial issues effectively
Microsoft Excel
Microsoft Word
Microsoft PowerPoint
Tally
Loan Origination System (LOS)
Certification
Tally ERP09
Professionalcourses
2012-01-01, 2017-01-01, Institute of Chartered Accountants of India, Ahmedabad, India, Chartered Accountant
Positions Of Responsibility
- 2022-01-01, Present, Member of Core Committee, HDFC Ltd, Rajkot, India, Organized and administered recreational activities for branch offices, ensuring employees stay motivated and rejuvenated at workplace, Planned indoor sports events, treasure hunts, one-day cricket matches, and outdoor picnics to promote collaboration among employees and managers from different departments, Facilitated off-campus tours for employees to provide them with opportunities for relaxation and team-building
- 2015-01-01, 2017-01-01, WICASA Core Committee Member, Institute of Chartered Accountants of India, Ahmedabad, India, Managed role of organizing National Convocation Centre of CA students in Ahmedabad region for years 2015 and 2016, Supervised organization of one-day seminar covering wide range of significant topics, Chaired discussions with regional and central committee members on various critical matters
Training
2013-01-01, 2016-01-01, Articleship Training, Ashok Rajpara & Associates, Ahmedabad, India, Computed projected financial statements for clients to aid with obtaining approval for working capital and cash credit requirements, Submitted statutory audit and tax audit reports for clients, Conducted inventory audits and internal audits for clients, Prepared Income tax, Service tax, and TDS returns for both individuals and companies, Administered filing of compliance forms, including annual returns, on MCA and ROC portals, following relevant provisions of Companies Act, 1956 and 2013
Timeline
Branch Credit Manager
Kotak Mahindra Prime Ltd
01.2017 - 01.2021
Bachelor of Commerce - Accountancy
Gujarat University
01.2012 - 04.2015
Higher Secondary Education - undefined
Carmel Convent High School
01.2010 - 04.2012
Secondary School Education - undefined
Carmel Convent High School
01.2010 - 04.2012
Deputy Credit Manager
HDFC Ltd
1 2021 - Current
Tally ERP09
Similar Profiles
Vinay GovilkarVinay Govilkar
Credit Appraiser at HDFC LTDCredit Appraiser at HDFC LTD
Shreyas AlvaShreyas Alva
SENIOR OPERATIONS OFFICER at HDFC LTDSENIOR OPERATIONS OFFICER at HDFC LTD
PARVATHY K SPARVATHY K S
Deputy Manager at HDFC LTDDeputy Manager at HDFC LTD