Gangadhar Gholap
Credit Underwriting And Risk Analysis
Pune
Summary
Dynamic professional with a strong background in accounts, finance, administration, and operations management, eager to leverage expertise in a challenging role that fosters professional growth. Committed to delivering innovative solutions and optimizing processes while adapting to evolving business needs. Proven ability to enhance operational efficiency and drive results through resourcefulness and strategic thinking. Prepared to contribute to a forward-thinking organization that values flexibility and creativity in problem-solving.
Overview
12
12
years of professional experience
3
3
Languages
Work History
Manager- Credit - Secured Loan- Pre Owned Car
Poonawalla Fincorp Ltd
05.2023 - Current
- Managed the pre-owned car appraisal process, securing values up to Rs. 10 lac and ensured accurate daily MIS record-keeping for logins and F.I. Requests. Managed the underwriting and operations workflow across multiple states (TamilNadu, Kerala, AndhraPradesh, Telangana, Karnataka, Delhi NCR, UP, Punjab, and Haryana), resolving disbursement and file-related issues in collaboration with Sales and HO teams. Additionally, conducted training sessions (CPA), performed VPD for clients, and executed pre-audit evaluations for nationwide internal cases, utilizing software like Finnone, CAS, LMS, and LSQ.
Credit Manager- Auto Loan Suit
HDFC Bank
05.2022 - 04.2023
- Securing auto loan appraisals up to Rs. 12 lac for both new and used vehicles. Operational expertise included maintaining daily MIS records (Login and F.I.), coordinating requests, and resolving disbursement issues by collaborating with the HO operations team and Sales representatives. Actively engaged with channel partners and dealerships, led training sessions for staff (CCPA/PDP), and conducted personal discussions with customers. Furthermore, Proficient in banking and financial mapping and utilizing software like LOS, Finnone, and Flexcube.
Branch Credit Manager- Emerging Enterprise Banking
Equitas Small Finance Bank Ltd
05.2017 - 04.2022
- Managed the appraisal of Commercial Vehicles (CV), securing values up to Rs. 8 lakh (Used CV) and Rs. 6 lakh (New CV), spanning segments like MCV, SCV, LCV, and ICV. Operational roles involved meticulous MIS maintenance (login, F.I.), cash collection oversight, managing file movements and transfers, and ensuring punctual PDD updates. Conducted file inspections, performed monthly assessments of Non-Starter/ED Cases, and resolved disbursement challenges in coordination with the Sales and HO operations teams. Proficient in financial mapping and utilizing software tools including SVS Uno, BMP, STS, and Hectra LOS.
Executive- Credit
Cholamandlam Investment & Finance Company Ltd
11.2016 - 03.2017
- Responsible for recommending Commercial Vehicle (CV) proposals and preparing the Credit Approval Memo (CAM) for the next level review. Operational duties included meticulous system data entry (Login), maintaining daily MIS records (Login/F.I.), coordinating F.I. requests with agencies, and performing detailed file checks and monthly follow-ups on Non-Starter Cases. Managed the complete loan lifecycle from coordinating file queries with Sales to updating PDD and ensuring timely loan disbursement by handing files over to the Operations team. Handled a diverse product segment (2W up to HCV/CE/Tractor, new & used), and are skilled in Financial Mapping, utilizing software like Leap Browser, FHR, and Fin one.
Branch Senior Executive-Credit& Operation
Fortune Integrated Assets Finance Ltd
06.2014 - 11.2016
- Authorized with a sanction power up to 90% LTV of the lower of Ex-showroom/Grid/Valuation for various vehicle segments (2W to HCV). Operational duties included meticulous system data management (Login, F.I. MIS), preparing the Credit Approval Memo (CAM), and recommending cases for the next level of approval. Managed the complete loan process, from conducting file checks and coordinating queries with Sales/DSAs to issuing the Delivery Order and ensuring timely loan disbursement and file handover to Operations. Possess full knowledge of SOA Plotting, Banking, and Financial Mapping and are proficient in software tools including I Base and Omni Fin.
Education
Bachelor of Arts - General Studies
YCMOU Nashik University
Yashwantrao Chavan Maharashtra Open University01.2015
Skills
Financial and Analytical Skills
Credit Policy and Regulatory Skills
Interpersonal and Communication Skills
Technical and Software Proficiency
Operational and Strategic Skills
Personal Information
- Date of Birth: 10/07/91
- Gender: Male
- Marital Status: Un-Married
Disclaimer
I declare that the above mention information is true to my knowledge.
Computer Knowledge
MS-CIT, 2014
Timeline
Manager- Credit - Secured Loan- Pre Owned Car
Poonawalla Fincorp Ltd
05.2023 - Current
Credit Manager- Auto Loan Suit
HDFC Bank
05.2022 - 04.2023
Branch Credit Manager- Emerging Enterprise Banking
Equitas Small Finance Bank Ltd
05.2017 - 04.2022
Executive- Credit
Cholamandlam Investment & Finance Company Ltd
11.2016 - 03.2017
Branch Senior Executive-Credit& Operation
Fortune Integrated Assets Finance Ltd
06.2014 - 11.2016
Bachelor of Arts - General Studies
YCMOU Nashik University