Indu Dixit
Kanpur Nagar
Summary
Dynamic Credit Manager with extensive experience at HDB Financial Services Ltd., excelling in deal appraisal and portfolio management. Proven track record in enhancing audit scores and optimizing loan processing efficiency. Strong leadership and customer relationship management skills drive successful outcomes in high-pressure environments. Proficient in Microsoft Excel for data analysis and reporting.
Overview
19
19
years of professional experience
Work History
Credit Manager (Self Employed PL/BL)
SMFG INDIA CREDIT
Varanasi
12.2024 - Current
- Deal Approval / Appraisals for Self Employed Business Loans
- Handling Mainly Varanasi Branch & It's sub locations
- Maintaining Portfolio: Collection/Non Starter
- Visits on every cases: DSA / Channel Visit.
Credit Manager (Auto Loan New/Used Cars)
HDB Financial Services Ltd.
Kanpur
10.2018 - 11.2024
- Deal Approval / Appraisals for New & Used Cars.
- Handling 11 Branches under Kanpur & Farrukhabad Area
- Maintaining Portfolio: Collection & PDD
- Branch Visits month on month.
- Dealer & Customer Visits
- Updating of PDD
- Policy training by visit to all Branches
- Taking care of Branch Audit queries and maintaining best Audit Score.
- Deal Appraisal
- Handling company software Fin none and underwriting.
- Making CAM (Including Track Validation, Banking updating etc.)
- Processing files for Loan Disbursement
- Visit at customer place for personal discussion before appraising the deal. Also uploaded in PD app prescribed by company.
- Visit at customer place for Loan EMI collection
- Updating of PDD
- Maintain collection data by coordinating with sales dept.
- Controlling Audit Score of Branch Taking care of Branch Audit queries and maintaining best Audit Score.
CPA Manager
ICICI BANK LTD.
Kanpur Nagar
05.2016 - 09.2018
- Processing files for disbursement
- Making CAM (Including Track Validation, Banking updating etc.)
- Processing files for Loan Disbursement (For Kanpur, Mirzapur, Fatehpur)
- Checking of files for Loan Disbursement. (For Kanpur, Mirzapur, Fatehpur)
- Cheque Handover to dealers. Handling patent software APS
- Preparation of Daily and monthly MIS.
- Controlling & supervision of Branch errors & TAT Maintenance
- Taking care of Branch and concurrent audit queries
Supervisor (Collection)
R.K. Sharma & Company
Kanpur
03.2015 - 04.2016
- Good Communication with Customers
- 26-28 employees are in my supervision
- Working as a team leader
- Preparation of MIS (Outstanding / Allocation)
- Taking care of Branch and concurrent audit queries.
- Making Salary of employees
- Billing Process
Computer operator
Ambika Baan Store
Kanpur
11.2013 - 02.2015
- Making bill
- Making Salary of employees
- Maintain all data related about stock.
Retail Asset Operations - Commercial Vehicle
Kotak Mahindra Bank Ltd
Kanpur
01.2007 - 10.2013
- Checking of files for Loan Disbursement. (For Kanpur, Allahabad, Lucknow)
- Cheque Handover to dealers.
- Handling patent software Core Gyan.
- Preparation of Daily and monthly MIS.
- Controlling & supervision of Branch errors & TAT Maintenance.
- Taking care of Branch and concurrent audit queries.
- Coordinate with branch to Disbursed the file with Minimum Tat.
- Coordinate with credit for solve the credit condition.
Education
M.B.A -
Swami Vivekanad University
Meerut, IN09.2024
M.A. -
A.N.D. College
Kanpur, IN09.2004
Skills
- Microsoft Excel
- Portfolio management
- Presentation Skills
- Team Management
- Deal appraisal
- Loan processing
- Credit analysis
- Customer relationship management
Languages
- English
- Hindi
Personal Information
Hobbies: Listening Music, Fashion, Social activities, Yoga
Timeline
Credit Manager (Self Employed PL/BL)
SMFG INDIA CREDIT
12.2024 - Current
Credit Manager (Auto Loan New/Used Cars)
HDB Financial Services Ltd.
10.2018 - 11.2024
CPA Manager
ICICI BANK LTD.
05.2016 - 09.2018
Supervisor (Collection)
R.K. Sharma & Company
03.2015 - 04.2016
Computer operator
Ambika Baan Store
11.2013 - 02.2015
Retail Asset Operations - Commercial Vehicle
Kotak Mahindra Bank Ltd
01.2007 - 10.2013
M.B.A -
Swami Vivekanad University
M.A. -
A.N.D. College
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