Fakhruddin
Ajmer
Summary
Dedicated professional with about 10 years of experience in the reputed Banks and NBFC with products like Affordable Housing, Mortgage, LAP, SME Loans, Commercial Vehicles, Micro Banking. Results-driven Credit Manager known for productive and efficient task completion. Specialize in risk assessment, credit policy implementation, and stakeholder relationship management. Excel in decision making, problem-solving, and communication, leveraging these soft skills to navigate complex financial landscapes and drive organizational success.
Overview
15
15
years of professional experience
Work History
Area Credit Manager - Housing & MSME
Svatantra Micro Housing Finance Ltd.
Ajmer, Kishangarh, Beawar, Jaipur
04.2022 - Current
- Handling credit functions of the area in affordable housing & MSME verticals with underwriting and appraisal of new loan proposals with income assessment and risk evaluation.
- Monitoring the daily activities and work-related requirements including work output and quality of the credit appraisals conducted by the team of Branch Credit Managers.
- Ensures success and growth of the product by adhering to defined TAT for loan approval.
- Perform analytical / quantitative analysis of the trends of loan portfolio repayments and customer base on a weekly and monthly basis.
- Collaborated with sales teams to address customer credit concerns effectively.
- Monitored account performance and identified potential repayment issues promptly.
- Trained staff on credit processes and compliance requirements regularly.
- Conducted market analysis to inform credit decisions and policy adjustments.
- Communicated with clients to resolve discrepancies in their accounts efficiently.
- Generated monthly reports on the performance of credit activities in assigned area.
- Identified process improvements and implemented changes to enhance operational effectiveness and efficiency.
Branch Credit Manager - Housing & LAP
APAC Financial Services Pvt. Ltd.
Beawar
06.2021 - 04.2022
- Handling credit functions at location in LAP, Mortgage vertical with underwriting and appraisal of new loan proposals with income assessment.
- Plan the daily activities and work-related requirements including work output and quality of the credit appraisals conducted.
- Ensures success and growth of the product by adhering to defined TAT for loan approval.
- Perform analytical / quantitative analysis of the trends of loan portfolio repayments and customer base on a weekly and monthly basis.
- Handling complete loan process from file login, CIBIL generation/analyze, FI cum PD, TVR, income assessment, credit recommendation, approval, disbursement & PDD completion.
- Reporting authority of Credit officer / Disbursement officer.
Credit Officer – Housing & LAP
Ujjivan Small Finance Bank Ltd.
Kishangarh
08.2018 - 06.2021
- Handling credit functions at location in affordable housing vertical with underwriting and appraisal of new home loan proposals both Housing & LAP with income assessment.
- Plan the daily activities and work related requirements including work output and quality of the credit appraisals conducted.
- Ensures success and growth of the product by adhering to defined TAT for loan approval.
- Perform analytical / quantitative analysis of the trends of loan portfolio repayments and customer base on a weekly and monthly basis.
- Handling complete loan process from file login, CIBIL generation/analyze, FI cum PD, TVR, income assessment, credit recommendation, approval, disbursement & PDD completion.
- Recognition >>> Awarded as Top Credit Performer in entire North Region 02 consecutive times i.e. Nov, 2020 & Dec, 2020 respectively.
Credit & Operations Officer
Equitas Small Finance Bank Ltd.
Ajmer
05.2017 - 08.2018
- Handling Credit & operations of location with underwriting of new loan proposals both used & new vehicle finance.
- Handling complete loan process from file preparing, CIBIL generation/analyze, FI cum PD, TVR, credit proposal, approval, PDD completion and Disbursement.
- Taking complete care of RTO (RC & Insurance) related work which includes RC name transfer, HPN updation, ensuring physical vehicle verification in RTO for the same and payment to RTO agents.
- Vendor management: - review and control of payment to vendors and keeping track record of the same.
Credit & Operations Executive
Ess Kay Fincorp Ltd.
Ajmer
09.2014 - 01.2017
- Handling credit operations of location and appraisals of new loan proposals both vehicle finance, SME and LAP.
- Handling complete loan process from file preparing, CIBIL generation/analyze, field visit, TVR, PD, credit proposal, approval, PDD completion and disbursement.
- Vendor Management: - Review and control of payment to legal, technical & RTO vendors and keeping track record of the same.
- Maintaining accuracy and speed in timely clearing PDD of Cases Disbursed.
Front Office Manager Cum Counselor
Anglican Institute of Education.
Ajmer
05.2010 - 08.2014
- Handling location operation management, which includes time keeping with sessions management, promotional activities and advertising management, monthly scrutiny of faculty and student management along with cash collections and all banking activities.
- Joined as a Counselor in Ajmer on May, 2010 and got promoted to Front Office Manager in January, 2012.
Education
M. B. A. - Finance
Vardhman Mahaveer Open University
Ajmer, RajasthanM. A. - English
Maharshi Dayanand Saraswati University
Ajmer, RajasthanL.L. B. - Law
Maharshi Dayanand Saraswati University
Ajmer, RajasthanB. A. - Economics
Maharshi Dayanand Saraswati University
Ajmer, RajasthanSenior Secondary - Commerce
Rajasthan Board of Secondary Education
Ajmer, RajasthanSecondary -
Rajasthan Board of Secondary Education
Ajmer, RajasthanSkills
- Credit underwriting
- Risk assessment
- Financial analysis
- Portfolio management
- Relationship management
- Credit risk assessment
- Compliance monitoring
References
- Mr. Ashish Sharma, ASM (Ujjivan Small Finance Bank), 9828551888
- Mr. Aqil Ahmed Khan, Branch Manager (Equitas Small Finance Bank), 9928121179
- Mr. Vikas Marothia, Cluster Sales Manager (APAC Financial Services), 9887456336
Personal Information
- Marital Status: Married
Languages
Hindi
First Language
English
Upper Intermediate
B2
Timeline
Area Credit Manager - Housing & MSME
Svatantra Micro Housing Finance Ltd.
04.2022 - Current
Branch Credit Manager - Housing & LAP
APAC Financial Services Pvt. Ltd.
06.2021 - 04.2022
Credit Officer – Housing & LAP
Ujjivan Small Finance Bank Ltd.
08.2018 - 06.2021
Credit & Operations Officer
Equitas Small Finance Bank Ltd.
05.2017 - 08.2018
Credit & Operations Executive
Ess Kay Fincorp Ltd.
09.2014 - 01.2017
Front Office Manager Cum Counselor
Anglican Institute of Education.
05.2010 - 08.2014
M. B. A. - Finance
Vardhman Mahaveer Open University
M. A. - English
Maharshi Dayanand Saraswati University
L.L. B. - Law
Maharshi Dayanand Saraswati University
B. A. - Economics
Maharshi Dayanand Saraswati University
Senior Secondary - Commerce
Rajasthan Board of Secondary Education
Secondary -
Rajasthan Board of Secondary Education