Summary
Overview
Work History
Education
Skills
Timeline
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DHRUVIl.co PATEL

Summary

Accomplished Credit Manager with a proven track record at Aavas Financiers LTD., adept in portfolio management and client relationship management. Excelled in assessing financial risks and enhancing loan application processes, significantly improving decision-making accuracy. Skilled in research, due diligence, and risk assessments, consistently achieving optimal financial outcomes. Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 4 years of financial industry expertise.

Overview

6
6
years of professional experience

Work History

Credit-manager

Aavas Financiers LTD.
11.2023 - Current
  • Conduct physical PD of loan applicants calculate financial risk and income eligibility.
  • Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.

Credit Analyst

Lendingkart Finance Ltd.
02.2022 - 11.2023
  • Assessed credit risk and analyzed financial statements.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Analyzed credit scores to determine borrowers' creditworthiness.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.

Junior Loan Officer

Cam Fin Homes Ltd.
11.2018 - 09.2019
  • Improved client relations by proactively addressing concerns or issues that arose during the loan process.
  • Collaborated with underwriters to ensure timely completion of loan applications and adherence to guidelines.
  • Prepared detailed written summaries outlining clients'' qualifications for approval or recommendation based on eligibility criteria.
  • Enhanced the loan application process by efficiently reviewing financial documents and verifying information accuracy.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Conducting physical PD for loan eligibility.

Education

MBA - Banking And Finance

NMIMS
06.2024

Bachelor of Science - Physics

Saurashtra University
Jamnagar, India
03.2016

Skills

  • Research and due diligence
  • Portfolio Management
  • Fraud understanding
  • Application Review
  • Authorizations understanding
  • Client Relationship Management
  • Risk Assessments

Timeline

Credit-manager

Aavas Financiers LTD.
11.2023 - Current

Credit Analyst

Lendingkart Finance Ltd.
02.2022 - 11.2023

Junior Loan Officer

Cam Fin Homes Ltd.
11.2018 - 09.2019

MBA - Banking And Finance

NMIMS

Bachelor of Science - Physics

Saurashtra University

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