Er.Vijay Singh Gahlot
Jaipur,Rajasthan
Summary
Dynamic Credit Manager with over 5 years of comprehensive experience in the financial sector, adept at evaluating creditworthiness and managing loan processes. Expertise encompasses risk assessment, loan approval, and compliance with regulatory standards. Proven ability to develop credit scoring models and negotiate favorable loan terms, ensuring exceptional service and operational efficiency. Committed to maintaining meticulous records and enhancing credit policies to drive organizational success. Ready to leverage skills in a Credit Manager role to foster growth and mitigate risks effectively.
Overview
6
6
years of professional experience
Work History
Branch Credit Manager
Infinity Fincorp Solutions Pvt Ltd
Jaipur, Rajasthan
12.2023 - Current
- Branches- Jaipur, Shahpura & Rajsamand and Also Review Cases 7 Branches of Madhya Pardesh (Ujjain,Indore,Sanawad,Khategaon,Agar-malwa,Shujalpur&Dewas).
- Managing Legal and Collection work in this Company and I am authorized person for legal and possession Cases.
- I have a team of 12 Members. to manage Credit and Collection works.
- Approve or reject loans based on thorough analysis of financial data and compliance with regulations.
- Negotiate loan terms with clients to ensure mutually beneficial agreements.
- Monitor loan repayments and manage bad debt recovery strategies.
- Revise and enhance company credit policies to improve operational efficiency and mitigate risks.
- Evaluate creditworthiness of potential customers and assess risk factors using advanced scoring models.
- Branches :- Jaipur, Shahpura & Rajsamand.
- And Also Review cases 7 Branches of Madhya Pardesh (Ujjain, Indore, Sanawad, Khategaon, Agarmalwa, Shujalpur & Dewas)
Assistant Credit Manager
Vastu Housing Finance Corporation Pvt Ltd
Nagaur, Rajasthan
05.2023 - 11.2023
- Bikaner Cluster-Handling 3 Branches (Nagaur,Bikaner & Nokha)- HL/LAP
- Handling HL/LAP/Mortgage loan CAM preparation, Cibil checking PD Visit, Legal & Valuation report Checking, Empanelment completion
- Property paper title checking (Gift DEED, Agreement, Patta, Co-ordinate/Discussion with sales manager/Customer's case to case basis
- Appraising and approved credit proposals & scrutinizing relevant documents before-
- Sanctioning / disbursing the credit/ loans, ensuring compliance with organizational Credit policies & norms.
- Manage all credit related outsourcing vendors CPV & Valuators of Rajasthan for Supporting business Regular Follow Up on Pending PDD's & Collection.
- Ensuring minimum TAT for all the proposals being logged into the system and Quality customer services.
Credit Officer
Kaabil Finance Pvt Ltd
Jaipur, Rajasthan
02.2020 - 04.2023
- Joined as a Credit Officer (02/20 to 7/21) after Worked as a Assistant Credit Manager -LAP/HL
- Company Overview: Head Office, Jaipur
- Review loan requests, Assess clients' financial status, Evaluate creditworthiness and risks
- Contact clients to gather financial data and documentation, Analyze risks and approve or reject loan requests
- Calculate financial ratios (e.g. credit scores and interest rates) & Maintain updated records of loan applications
Education
Secondary - 10th Grade
SBVM SR SEC SCHOOL
Bikaner, Rajasthan01.2012
Higher Secondary - 12th Grade, Science(Maths)
SMJT Govt SR Sec.SCHOOL
Bikaner, Rajasthan01.2014
Bachelor's of Technology - Electrical Engineering
Rajasthan Technical University
Bikaner, Rajasthan01.2018
Certificate - Information Technology (RS-CIT)
Vardhman Mahaveer Open University
Bikaner, Rajasthan06.2017
Bachelors of Arts - Geography, Sociology & Public Administration
Maharaja Ganga Singh University
Bikaner, Rajasthan01.2018
Master of Arts - Public Administration
Maharaja Ganga Singh University
Bikaner, Rajasthan01.2020
Master of Arts - Political Science
Maharaja Ganga Singh University
Bikaner, India01.2022
Skills
- Leadership
- Problem Solving
- New work Adaptability
- Time Management
- Portfolio management
- Credit analysis
- Team management
- Credit risk management
- Risk analysis
- Performance improvements
Timeline
Branch Credit Manager
Infinity Fincorp Solutions Pvt Ltd
12.2023 - Current
Assistant Credit Manager
Vastu Housing Finance Corporation Pvt Ltd
05.2023 - 11.2023
Credit Officer
Kaabil Finance Pvt Ltd
02.2020 - 04.2023
Secondary - 10th Grade
SBVM SR SEC SCHOOL
Higher Secondary - 12th Grade, Science(Maths)
SMJT Govt SR Sec.SCHOOL
Bachelor's of Technology - Electrical Engineering
Rajasthan Technical University
Certificate - Information Technology (RS-CIT)
Vardhman Mahaveer Open University
Bachelors of Arts - Geography, Sociology & Public Administration
Maharaja Ganga Singh University
Master of Arts - Public Administration
Maharaja Ganga Singh University
Master of Arts - Political Science
Maharaja Ganga Singh University
Hobbies and Interests
Cooking, Travelling
PERSONAL INFORMATION
- Address: 58, DK NAGAR JHOTWARA, JAIPUR,302012
- Nationality: Indian
- Hometown: Bikaner,Rajasthan