Work Preference
Summary
Overview
Work History
Education
Skills
Certification
Languages
Personal Information
Timeline
Generic
Open To Work

HITESH RANESHA

Surat

Work Preference

Job Search Status

Open to work
Desired start date: Open to discussion

Desired Job Title

Area Credit ManagerBranch Credit ManagerCredit OfficerCustomer Support ExecutiveCredit Officer

Work Type

Full TimePart Time

Location Preference

On-SiteRemoteHybrid
Location: Surat, Gujarat
Open to relocation: Yes

Summary

Dynamic Area Credit Manager with extensive experience at Shubham Housing Development Finance Company Ltd, excelling in credit risk assessment and team leadership. Proven track record in formulating credit policies and enhancing compliance standards, driving efficiency in loan processing while fostering strong customer relationships.

Overview

1
1
Certification
12
12
years of professional experience

Work History

Area Credit Manager

Shubham Housing Development Finance Company Ltd
Surat
04.2026 - Current
  • Managed credit operations for housing finance across Anand, Vadodara, Bharuch, Ankleshwar, Surat, Navsari, and Vapi, leading a team of branch credit managers to enhance regional performance.
  • Oversaw loans valued up to 50 lakhs, ensuring compliance with regulatory standards and minimizing risk exposure.
  • Evaluated loan applications to ensure compliance with company policies and mitigate risks.
  • Conducted risk assessments to identify potential credit issues and enhance decision-making processes.
  • Collaborated with sales teams to streamline loan approval workflows, resulting in quicker turnaround times for loan processing.
  • Participated in strategy meetings with senior management to address customer credit risk management.
  • Developed training programs for staff on effective credit management practices.

Branch Credit Manager

Shubham Housing Development Finance Company Ltd
Surat
01.2022 - 03.2026
  • Conducted detailed credit evaluations to support informed underwriting decisions.
  • Evaluated credit applications for housing loans and assessed borrower eligibility.
  • Identified and assessed credit and risk areas to mitigate potential losses.
  • Ensured compliance with company policies and legal regulations during loan sanctioning and disbursement processes.
  • Prepared loan eligibility statements and analyzed key financial ratios for decision-making.
  • Drafted comprehensive credit appraisal notes while possessing sanction approval authority.
  • Analyzed and decided on cases within three-day turnaround time.
  • Managed over 120 cases monthly to maintain efficient processing.
  • Developed and implemented credit policies to strengthen risk management and ensure compliance.

Credit Officer

Mas Rural Housing & Mortgage Finance Ltd
Surat
12.2018 - 01.2022
  • Recommended approval or disapproval of home loans and property loans based on thorough analysis.
  • Analyzed financial status, credit history, and property evaluations to assess loan feasibility.
  • Reviewed income, credit reports, and employment histories for each borrower meticulously.
  • Assessed customer profiles to evaluate creditworthiness and mitigate potential risk factors.
  • Adhered to banking standards and government lending guidelines throughout loan service processes.
  • Coordinated and finalized loan applications for underwriter review, ensuring accuracy and completeness.
  • Exercised sanction authority to process home loan files, facilitating timely approvals.

Customer Support Executive

HDFC Ltd
Surat
11.2017 - 07.2018
  • Analysed customer data such as financial statements to determine level of risk involved for extending credit.
  • Assessed credit risk by analysing financial statements to inform lending decisions.
  • Analyzed cases and recommended approvals for sanction based on thorough evaluation.
  • Conducted discussions with customers at business/job premises to facilitate Home Loan and LAP applications.
  • On payroll of HDFC Sales Pvt Ltd.

Credit Officer

L&T Housing finance Ltd
Surat
12.2015 - 10.2017
  • Processed home loan and LAP files for login and CAM creation, facilitating credit manager's final decision.
  • Disbursed sanctioned files through LOS system post-approval, ensuring timely funding for clients.

Junior Relationship Executive

Muthoot Finance Ltd
Surat
11.2014 - 11.2015
  • Streamlined gold loan transaction processing at counter, improving customer access to funds.
  • Evaluated gold quality and performed appraisals for accurate loan assessments.

Rural Banking Executive

AXIS Bank Ltd
Surat
02.2014 - 10.2014
  • Developed the process for selling products and banking operations at various counters.
  • Managed client relationships, ensuring high levels of satisfaction and retention.

Education

MBA - Finance

Jaipur National University
Surat
07-2016

BBM - Accounting & Finance

Karnataka State Open University
Surat
08-2013

HSC - Commerce

Gujarat Secondary and Higher Secondary Education Board
Surat
06-2010

SSC - General

Gujarat Secondary and Higher Secondary Education Board
Surat
05-2008

Skills

  • Credit risk assessment
  • Loan processing and compliance
  • Regulatory adherence
  • Credit policy formulation
  • Financial analysis
  • Team leadership
  • Effective communication
  • Customer relationship management

Certification

  • Post-Graduation Diploma in Banking from NIIT IFBI, Surat.

Languages

  • English
  • Hindi
  • Gujarati

Personal Information

  • Date of Birth: 14/01/92
  • Gender: Male
  • Marital Status: Married

Timeline

Area Credit Manager

Shubham Housing Development Finance Company Ltd
04.2026 - Current

Branch Credit Manager

Shubham Housing Development Finance Company Ltd
01.2022 - 03.2026

Credit Officer

Mas Rural Housing & Mortgage Finance Ltd
12.2018 - 01.2022

Customer Support Executive

HDFC Ltd
11.2017 - 07.2018

Credit Officer

L&T Housing finance Ltd
12.2015 - 10.2017

Junior Relationship Executive

Muthoot Finance Ltd
11.2014 - 11.2015

Rural Banking Executive

AXIS Bank Ltd
02.2014 - 10.2014

MBA - Finance

Jaipur National University

BBM - Accounting & Finance

Karnataka State Open University

HSC - Commerce

Gujarat Secondary and Higher Secondary Education Board

SSC - General

Gujarat Secondary and Higher Secondary Education Board

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