DILIP KUMAR YADAV
Job
NAWAGARH
Summary
To excel in the area of sales, and credit, and make positive contributions to achieve the overall objective of the organization as well as personal goals and will assure you that I will try my best. Let's give our 100% for positive working to achieve our target within TAT and make a healthy & quality portfolio.
Overview
10
10
years of professional experience
2
2
Languages
Work History
Area Credit Manager
Cholamandalam Investment & Finance Company Limited
07.2024 - Current
- Streamlined the application review process, resulting in faster credit decisions for clients.
- Enhanced team productivity by providing regular training sessions on credit management topics.
- Optimized the collections process by identifying areas for improvement and implementing best practices accordingly.
- Monitored and adjusted credit limits as needed to manage risk exposure effectively.
- Established strong communication channels between various departments involved in the credit management process, fostering better collaboration and efficiency.
- Collaborated with sales teams to ensure alignment of credit policies and sales strategies.
- Improved credit approval rates by implementing a comprehensive risk assessment process.
- Managed a high-performing team of credit professionals, fostering a culture of continuous improvement and providing guidance on career development opportunities.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- PD Process Above 30 Lacs
- Fraud Control Maintain
- Developed strong relationships with prospective clients to promote business growth and expansion.
- Implemented an efficient reporting system to track key performance indicators for the department regularly.
- Handling a team of 4 Credit Managers across 6 Branches
- Case Empowerment upto Rs. 25 Lacs
- Maintained up-to-date knowledge of industry trends and regulatory changes, ensuring compliance with all applicable laws and regulations.
- Reduced delinquency rates with consistent monitoring and timely follow-ups on overdue accounts.
Cluster Credit Manager
FINOVA CAPITAL PVT LTD
12.2021 - 07.2024
- Working with Finova Capital as a (Promoted) Cluster Credit Manager (MSME/LAP/HL)
- Involve Underwriting of MSME/LAP &HL with BT cases
- PD Process
- Fraud Control Maintain
- Analyze the Financial statement and key financial ratios and looking for the disbursement of the Housing &Mortgage loans
- Assessing the credit worthiness of customers by comparing the financial scale of the borrower with the level of business activity & setup observed during the PD.
- Effective Management and communication with Vendors for Legal
- Technical and other vital reports critical to the given loan funding
- Understanding the major legal & technical challenges & critical documents related to properties
- Having skill in team handling / managing the load
- Working in TAT basis
- FTR and No error base & productivity base
- Customer Documentation - Ensure pre approval documentation is accurate.
- Pull out CIBIL/CRIF loans Clarification and OD clearance
- Team effectiveness - Sharing Knowledge/information relevant to others
- Standing in for a team member
- Process orientation - Doing things in a structured manner
- Making specific changes in system/process/work methods to improve performance
- Managing information in a structured and systematic manner
- Credit Decision Making for Related Loans and forwarding Proposals to RCM's
- Portfolio Maintain for Bouncing of Non Starter
- NACH Registration before disbursement
- Disbursement Process
- Providing Audit Compliance & OPS Queries Resolution
- TAT maintain (Login to PD) & (PD to SL) & (SL to Disbursement) & (Disbursement to Payment)
- Handling 3 branches with the team size of 2 BCM’s
- Working with Finova Capital as a (Promoted) Cluster Credit Manager (MSME/LAP/HL)
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
Branch Accounts Head
MAHINDRA FINANCE
12.2015 - 03.2021
- Working with MMFSL. as a Branch Accounts Head
- Online data entry of Receipts, CRA & Worksheets.
- Cash handling, Banking &Reconciliation.
- PDD Collection and updating in system.
- Maintain daily MIS & Reported to T.A. &R.O.
- Process the DO letter.
- Evaluation of Proposals put up for recommendation /approval
- Doing work in excel for preparing registers and reports..
- Preparing register of the company to keeping records.
- Assisting the T.A. in their work.
- Drafting notice and letter to the customer through the system.
- Solving customer problem and making good relationship with customer.
- Bank Reconciliation.
- File Disbursement.
- Working with MMFSL. as a Branch Accounts Head
- Streamlined account management processes for improved efficiency and productivity.
- Partnered with cross-functional teams for seamless execution of complex transactions involving multiple stakeholders.
Education
MBA - Finance & Marketing
Dr. C V Raman University
Bilaspur 04.2001 -
Master of Arts - Master of Arts
Govt. T.C.L. College, Janjgir
Janjgir 04.2001 -
P.G.D.C.A. - Post Graduate Diploma in Computer Application
Dr. C V Raman University
Bilaspur07-2012
Bachelor of Arts - Bachelor of Arts
S.D. Collage
Nawagarh 04.2001 -
Skills
Relationship management
Cash flow analysis
Portfolio management
Collateral evaluation
Data interpretation
Debt restructuring
Underwriting expertise
Credit risk assessment
Risk assessments
Strategic planning
Mentoring and training
Credit policy development
Interests
Playing cricket, Surfing Internet, Watching Sports
PERSONAL DETAIL
Father’s Name : Mr. RAMKUMAR YADAV
Permanent Address : W.No. 04, Vill-Mahant, Teh- Nawagarh, District : Janjgir-Champa (c.g.) 495668
Nationality : Indian
Date of Birth : 08/02/1988
Gender : Male
Marital status : Married
Languages Known : English, Hindi
E-mail : dlpyadav24@gmail.com
Mobile Number : 91+9893199070 & 91+7987870072
Timeline
Area Credit Manager
Cholamandalam Investment & Finance Company Limited
07.2024 - Current
Cluster Credit Manager
FINOVA CAPITAL PVT LTD
12.2021 - 07.2024
Branch Accounts Head
MAHINDRA FINANCE
12.2015 - 03.2021
MBA - Finance & Marketing
Dr. C V Raman University
04.2001 -
Master of Arts - Master of Arts
Govt. T.C.L. College, Janjgir
04.2001 -
Bachelor of Arts - Bachelor of Arts
S.D. Collage
04.2001 -
P.G.D.C.A. - Post Graduate Diploma in Computer Application
Dr. C V Raman University