Dnyaneshwar Baba Waghmode
Senior Branch Credit Head
Pune
Summary
Dynamic finance professional with extensive experience at Bharat Financial Inclusion Limited, excelling in credit risk management and financial evaluation. Proven leadership in enhancing collection efforts and optimizing debt recovery processes; Strong analytical skills combined with effective communication foster client relationships and drive team success.
Overview
5
5
years of professional experience
3
3
Languages
Work History
Sr. Branch Credit Head
Bharat Financial Inclusion Limited
08.2025 - Current
- Managed branch customer portfolios, ensuring timely processing of applications within TAT.
- Conducted credit analysis and personal discussions, performed field visits to optimize collection efforts.
- Conducted credit analysis and personal discussions to assess client needs.
- Executed daily operations with accuracy and efficiency, supporting overall branch performance.
- Performed field visits to enhance collection efforts and client engagement.
Assistant Manager-I
ICICI Bank Limited
02.2022 - 07.2025
- Led sales team to achieve targets, surpassing performance metrics consistently.
- Managed tractor loan business in assigned region, driving growth through effective channel funding.
- Developed strategies to optimize debt collection processes, increasing recovery rates.
- Analyzed financial data of dealers to provide channel funding effectively.
- Evaluated customer creditworthiness through financial statements and payment histories.
- Reviewed and generated CIBIL reports, verifying document accuracy.
- Coordinated with legal, technical, and risk units for efficient file processing.
- Coordinated group sourcing and disbursement of JLG loans to streamline funding access.
- Identified and addressed customer needs promptly, enhancing overall satisfaction.
Group Relationship Officer
IDFC First Bharat
09.2020 - 10.2021
- Coordinated group sourcing and disbursement of JLG and Gold loan.
- Monitored group loan portfolios and conducted field visits to enhance collection efforts and resolve client issues effectively.
- Conducted detailed credit assessments and risk analysis specifically for group loan applicants to enhance portfolio quality.
- Collaborated with legal and risk teams to ensure compliance and reduce defaults on group loans.
Education
Bachelor of Art - Geography
Shri Shivaji University Kolhapur
Kolhapur02.2026
HSC - Science Education
Dr.B.J.Date Prashala Natepute
Natepute02.2026
SSC - undefined
Shree Barling Vidyalaya Phondshiras
Phondshiras02.2026
Skills
FinnOne and CRM
Microsoft office
Leadership
Credit analysis
Financial evaluation
Problem solving
Communication and interpersonal
Risk assessment coordination
Interests
Traveling, Swimming, Cooking, swimming
Timeline
Sr. Branch Credit Head
Bharat Financial Inclusion Limited
08.2025 - Current
Assistant Manager-I
ICICI Bank Limited
02.2022 - 07.2025
Group Relationship Officer
IDFC First Bharat
09.2020 - 10.2021
HSC - Science Education
Dr.B.J.Date Prashala Natepute
SSC - undefined
Shree Barling Vidyalaya Phondshiras
Bachelor of Art - Geography
Shri Shivaji University Kolhapur
Courses
- MSCIT
- MS Excel
- E-Commerce And Supply Chain Management