Deep Narayan
Branch Credit Manager (HL/LAP) Aadhar Housing Finance Ltd
Ayodhya
Summary
To be a part of dynamic and progressive organization that offers working challenging environment where one can utilize energies and competences in positive direction and contribute towards overall objective of organization goals.
Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions.
Overview
6
6
years of professional experience
7
7
years of post-secondary education
Work History
Branch Credit Manager
Aadhar Housing Finance Limited
01.2024 - Current
- Credit underwriting for SENP,SEP, Cash Salaried and Salaried Formal cases, PD, CAM Preparing, Balance Sheet Analysis and preparing, Banking Analysis, Followup for FI and FCU Report, GST, ITR, UDIN & Udyam Certificate verify, Insurance Evaluation, Legal & Technical Evaluation, Collection for NST and NPA cases, Branch Audit and Other
- 7 Branches Manage for Credit and others ( Ayodhya, Ayodhya AGU, Gonda, Bahraich, Basti, Sultanpur, Ambedkar Nagar
- Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.
- Enhanced branch profitability by optimizing the credit portfolio mix and mitigating potential risks within lending activities.
- Reviewed and approved large credit applications, exercising sound judgment in line with company policies and risk appetite.
- Wrote reports detailing branch activities.
Assistant Manager
Bandhan Bank
06.2022 - 12.2023
Credit underwriting for SENP and Salaried cases, PD, Operation Evaluation, CAM Preparing, Balance Sheet Analysis and preparing, Banking Analysis, Data Entry, Followup for FI and FCU Report, GST, ITR, UDIN & Udyam Certificate verify, Insurance Evaluation, Legal & Technical Management, Collection, Customer Service Branch Management and Other
Credit Officer
Kotak Mahindra Bank
12.2021 - 06.2022
CAM Preparing, Telephonic PD, Balance Sheet Analysis and preparing, Banking Analysis, Data Entry, Followup for FI and FCU Report,GST, ITR, UDIN & Udyam Certificate verify, Insurance Evaluation and Other
Credit Processing Associate
PNB Housing Finance Limited
04.2019 - 12.2021
Balance Sheet Analysis and preparing, Banking Analysis, Data Entry, Followup for FI and FCU Report, CAM Preparing and Other
Education
High school -
U.P. Board
01.2010 - 01.2011
Intermediate -
U.P. Board
01.2012 - 01.2013
B.com - undefined
Dr. Ram Manohar Lohia Awadh University
01.2013 - 01.2016
M.com - undefined
Dr. Ram Manohar Lohia Awadh University
01.2018 - 01.2020
Skills
Communication Skill
Active Listening
Coordination
Judgement and Decision Making
Leadership Skill
A flexible attitude with respect to work assignments
Willingness to work with multiple supervisors/colleagues in a matrix environment
Value the importance of teamwork
Ability to manage multiple and varied tasks with enthusiasm
Prioritize workload with attention to details
Portfolio management
Credit analysis
Credit scoring
Credit reports
Risk assessments
Strategic planning
Cash flow management
Performance monitoring
Mentoring and training
Timeline
Branch Credit Manager
Aadhar Housing Finance Limited
01.2024 - Current
Assistant Manager
Bandhan Bank
06.2022 - 12.2023
Credit Officer
Kotak Mahindra Bank
12.2021 - 06.2022
Credit Processing Associate
PNB Housing Finance Limited
04.2019 - 12.2021
M.com - undefined
Dr. Ram Manohar Lohia Awadh University
01.2018 - 01.2020
B.com - undefined
Dr. Ram Manohar Lohia Awadh University
01.2013 - 01.2016
Intermediate -
U.P. Board
01.2012 - 01.2013
High school -
U.P. Board
01.2010 - 01.2011
Disclaimer
I do hereby declare that the above said information is true, correct and complete to the best of my knowledge and belief.
Personal Information
- Age: 27
- Date of Birth: 05/09/96
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Technical Qualifications
- Account Assistant Using Tally From UPSDM
- CCC
Recreation
- Listening music
- Interaction with new people
- Cricket
- Chess
Disclaimer
I do hereby declare that the above said information is true, correct and complete to the best of my knowledge and belief.
Personal Information
- Age: 27
- Date of Birth: 09/05/96
- Gender: Male
- Nationality: Indian
- Marital Status: Unmarried
Recreation
- Listening music
- Interaction with new people
- Cricket
- Chess
Disclaimer
I do hereby declare that the above said information is true, correct and complete to the best of my knowledge and belief.
Technical Qualifications
- Account Assistant Using Tally From UPSDM
- CCC