Tally
Hitesh Lalwani
ACA, Bcom.
Ahmedabad,Gujarat
Summary
ACA, B.Com. Chartered Accountant with eight plus years of work experience as credit manager, having good understanding of credit underwriting, compliances and audit. Always aimed towards lend to collect with certainty model focusing more on cash flow in a prospective deal.
Overview
11
11
years of professional experience
8
8
years of post-secondary education
4
4
Languages
Work History
Cluster Credit Manager
IndusInd Bank Ltd
Ahmedabad, Gujarat
01.2018 - Current
- Manage a team of Credit managers & Credit Analysts
- To impart them regular training with respect to policies and procedures & also evaluate knowledge of the same
- Conduct quality credit underwriting with regards to new facilities, increases to existing facilities, review of existing facilities etc
- In order to address the financial needs of the clients whilst ensuring that outcome is aligned to the bank's risk appetite
- Conduct personal discussions with the client & also visit the proposed property to be mortgaged and understand the technical aspects of the property
- Analyze applicants' financial status, cash flows to understand the Strength and capability of Customer
- To Ensure service standards of the agencies are in compliance with benchmark standards laid down by organization
- Monitoring branch operation activity including preparation of MIS relating to disbursement, post disbursement documents collection, dispatch and storage of documents
- Monitor portfolio of the branches assigned
- Ensure timely collection of the dues
- Regular Interval Visits to DSA and Branches of the Bank and giving them policy updates and Conducting training sessions ,whenever required.
- Develop and promote effective teamwork between credit and sales, collection and administration staff.
Credit Manager
RBL Bank Ltd
Ahmedabad, Gujarat
01.2015 - 01.2018
- Working as a Credit manager with RBL Bank Ltd Under Unsecured Business Loans Vertical
- Recommend / decide on loan proposals on the basis of customer profile, banking analysis, repayment history, and financial position Monitoring post disbursal document collection and ensure timely submission of documents
- Communicate & Co-ordinate with internal departments and external agencies
- Monitor audit & regulatory compliances at branch level
- Vendor Management - Identify, meet, appoint and manager vendors, including legal & technical vendors
Area Credit Manager
Bajaj Finserv Limited, Subsidiary Company of Bajaj FInance Ltd
Rajkot, Gujarat
07.2013 - 01.2015
- IN Bajaj Finserv I was working in Unsecured business Loan and Personal Loan Vertical
- Also Underwritted the Doctor Loans Profile in Bajaj For the Rajkot and Jamanagr ( Deputation) Locations.
- Recommend / decide on loan proposals on the basis of customer profile, banking analysis, repayment history, and financial position Monitoring post disbursal document collection and ensure timely submission of documents
- Communicate & Co-ordinate with internal departments and external agencies
- Monitor audit & regulatory compliances at branch level
Articled Assistant
C H Pamnani & Co
Ahmedabad, Gujarat
01.2007 - 07.2009
- Completed various audit assignments with the team and Independently as well
- Bank Audits including statutory audits, concurrent audit of nationalized bank branch and revenue audit.
Education
Chartered Accountant - Accounts And Taxation
ICAI
Ahmedabad 11.2006 - 06.2012
B. Com - Tax Procedure
Gujarat University
Ahmedabad 05.2006 - 03.2009
Skills
Effective managerial techniques
Websites
Accomplishments
Promoted twice in last four years of IndusInd Bank career. Promoted to AVP From Manager grade in last four years
Software
MS Office
Interests
Travelling
Reading
Timeline
Cluster Credit Manager
IndusInd Bank Ltd
01.2018 - Current
Credit Manager
RBL Bank Ltd
01.2015 - 01.2018
Area Credit Manager
Bajaj Finserv Limited, Subsidiary Company of Bajaj FInance Ltd
07.2013 - 01.2015
Articled Assistant
C H Pamnani & Co
01.2007 - 07.2009
Chartered Accountant - Accounts And Taxation
ICAI
11.2006 - 06.2012
B. Com - Tax Procedure
Gujarat University
05.2006 - 03.2009