Ganesh Chothe

• Working as a State Credit Manager, responsible of underwriting secured business loans against property in the State of Maharashtra.
• Managed 42 branches with a team of 8 Cluster Credit Managers and 42 Branch Credit Officers/Managers to ensure effective credit operations.
• Portfolio and Risk Management: Proactively monitor existing loan portfolios to identify early warning signals, delinquency trends, and non-performing assets (NPAs).
• Monitored existing loan portfolios to identify early warning signals, delinquency trends, and non-performing assets (NPAs), supporting proactive risk management.
• Handling 42 branches with a team size of 8 Cluster Credit Managers and 42 Branch Credit Officers/Managers.
• Supervised and trained the credit manager/officer and branch staff, while managing relationships with the internal legal and valuation teams.
• Coordinated with sales, central operations, and legal/technical teams to facilitate quick decision-making and resolve customer escalations efficiently.
• Trained subordinates and branch staff on new policy and update rollouts.

Managed product portfolio

Secured Loan (Mortgage): Home Loan, Loan Against Property, Business Loan, Personal Loan, Farm Loan.

Unsecured Loan: Business Loan, Personal Loan, Consumer Durable.

Team size: 9 credit managers and 11 branch credit officers reporting to me. Handling 11 branches in Pune, Satara, and Ahmednagar locations.

Defined critical success factors

• Conducted meticulous risk assessments for secured and unsecured retail loan products, overseeing portfolio with ticket sizes from 3 lakhs to 50 lakhs to ensure sound lending decisions.
• Exercising sanctioning authority, approving loans of up to 10 lakhs for secured loans, and 3 lakhs for unsecured loans.
• Conducting comprehensive proposal verifications, including in-depth assessments of high-value proposals, and on-site visits to residential and workplace locations.
• Conducting thorough evaluations of credit histories through reputable bureaus such as CIBIL, Equifax, Highmark, and Bank Analyzer.
• Guiding and managing a proficient team of 22 professionals, which includes 11 Branch Credit Managers and 11 Branch Credit Officers.
• Facilitated training sessions on products and policies to ensure team adherence to established norms and enhance overall compliance.
• Monitored portfolio behavior, identified risk areas, and analyzed competitor strategies to inform and enhance risk management approaches.

Product Handle: Tractor Loan and Farm Equipment, Agriculture Corporate Funding Project.

Identified key result areas in agricultural lending, focusing on efficiency and growth.

• Held sanctioning authority for loans of up to 6 lakhs.
• Held sanctioning authority for loans up to 6 lakhs, facilitating timely financing for agricultural projects.
• Crafted comprehensive Credit Appraisal Memoranda (CAM) assessing eligibility criteria to support informed lending decisions.
• Conducted thorough credit history checks and analyzed customer financials to identify potential risks and opportunities.
• Provided recommendations for high-value cases, and ensured strict adherence to established product and policy norms.
• Undertook random customer visits to assess loan impact and compliance.

Product Handle: Tractor Loan and Farm Equipment, Kisan Credit Card, Agri Term Loan, Self-Help Group, and Joint Liability Group Loan.

Outlined essential responsibilities and expectations.

• Conducted thorough underwriting for agricultural and retail loan products, ensuring sound credit decisions.
• Conducted thorough underwriting for a diverse range of agricultural and retail loan products.
• Drafted Credit Appraisal Memoranda (CAM) and performed customer bureau checks to assess creditworthiness.
• Enforced rigorous adherence to product and policy norms, executed detailed file verifications, and closely monitored loan disbursements.
• Generated daily reports using Management Information System (MIS) and managed end-use verification processes to ensure compliance.