DHARM CHAND
ALWAR
Summary
Experienced Credit Analyst skilled in risk analysis for banks and other lending institutions. Proven experience in the assessment of the creditworthiness of client companies. Wide background in financial information analysis, including cash flow records and management accounts. Strong current knowledge of compliance and legal issues involved in credit approval.
Overview
12
12
years of professional experience
1
1
Language
Work History
Branch Credit Manager
Equitas Small Finance Bank
09.2025 - Current
- Responsible for SCF Business Loan & Lap and Home Loan of Others and Collection in the same sector.
- Responsible for Field Investigation, File Signing, and Processing of Loan Files.
- Responsible for making decisions on all cases within the policy TAT time.
- Ensuring complete documentation & formalities related to pre- & post-disbursement.
- Coordinating for faster payment from Operations to Customer.
- Consistently surpassed the assigned targets on a monthly & annual basis, ensuring high customer satisfaction.
- Responsibilities: Credit Activity, for LAP and Home Loan
- 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.
Senior Credit Manager
Mintifi Finserve Pvt Ltd
02.2023 - 07.2025
- Responsible for SCF, business loans from others, and collections in the same sector.
- Responsible for Field Investigation, File Signing, and Processing of Loan Files.
- Ensured that all credit and loan standards were applied.
- Periodically reviewed lender portfolios to identify possible risks.
- Responsible for take decisions on all cases within policy TAT time.
- Ensuring complete documentation & formalities related to pre- and post-disbursement.
- Managed all loan and credit requests and made approval decisions.
- Responsible for all post files handover to the Operation Department.
- Consistently surpassed the assigned targets on a monthly & annual basis, ensuring a high level of customer satisfaction.
- Responsibilities: Credit for SCF & LAP
Credit Manager
Protium Finance Limited
01.2022 - 12.2022
- Responsible for Business Loan & LAP of Others and Collection in the same sector.
- Responsible for Field Investigation, File Signing, and Processing of Loan Files.
- Responsible for making decisions on all cases within the policy TAT time.
- Ensuring complete documentation & formalities related to pre- & post-disbursement.
- Coordinating for faster payment from Operations to Customer.
- Consistently surpassed the assigned targets on a monthly & annual basis, ensuring high customer satisfaction.
- Responsibilities: Credit Activity, for LAP and Business Loans.
Credit Manager
Bajaj Finance Ltd
09.2017 - 08.2021
- Responsible for Personal and Business Loans of Others and Collections in the same sector
- Responsible for Field Investigation, File Signing, and Processing of Loan Files.
- Coordination for faster payment from Operations to the Dealer.
- Ensuring complete documentation & formalities related to Pre-Login.
- Responsible for all post files handover to the Operation Department.
- Proficient in working with channel partners and dealers, effectively market Skilled in managing to work in sync.
- With set parameters of the company and achieving individual goals
- Responsibilities: Credit Activity, Personal loans and Business loans
Credit Officer
HDFC Bank
12.2013 - 09.2017
- Credit Activity, Two-Wheeler loans and Gold Loans
Education
Graduation - Arts
Rajasthan University of Jaipur
JaipurSenior Secondary - undefined
Khandelwal Senior Secondary School
AlwarSecondary - undefined
Alwar Defense secondary School
AlwarSkills
Loan underwriting
Interests
Reading Books and Articles
PERSONAL PROFILE
- Father’s Name: Late. Kishan Lal
- Mother’s Name: Smt. Keshar Devi
- Date of birth: 1989-08-08
- Marital status: Married
- PLACE: Alwar
Timeline
Branch Credit Manager
Equitas Small Finance Bank
09.2025 - Current
Senior Credit Manager
Mintifi Finserve Pvt Ltd
02.2023 - 07.2025
Credit Manager
Protium Finance Limited
01.2022 - 12.2022
Credit Manager
Bajaj Finance Ltd
09.2017 - 08.2021
Credit Officer
HDFC Bank
12.2013 - 09.2017
Graduation - Arts
Rajasthan University of Jaipur
Senior Secondary - undefined
Khandelwal Senior Secondary School
Secondary - undefined
Alwar Defense secondary School