Summary
Overview
Work History
Education
Skills
Languages
Timeline
Generic

Ishwar Singh

Harda

Summary

With a proven track record at IDFC First Bank Limited, I excel in credit risk management and fostering customer relationships. My expertise in financial analysis and strategic negotiation has significantly reduced delinquencies. Skilled in team leadership and fraud prevention, I drive operations towards achieving business objectives while ensuring compliance and maximizing recovery.

Overview

9
9
years of professional experience

Work History

Senior Branch Credit Manager

IDFC First Bank Limited
Nasrullaganj
08.2018 - Current
  • Analyzed credit risk and developed strategies to reduce exposure. Reviewed customer financial statements, credit ratings, and other information to determine creditworthiness of potential customers. Identified areas of improvement in the current system for evaluating customer creditworthiness. Negotiated payment terms with customers to ensure timely collections. Monitored accounts receivable aging reports and took action as needed to collect payments on delinquent accounts. Researched industry trends related to customer credit and recommended changes as necessary. Ensured all applicable laws, regulations, rules, and standards were followed when approving or denying loan requests from customers. Evaluated business practices and loan procedures to assess risk and develop mitigation plans to protect business operations and assets. Collaborated cross-functionally with sales, management, and other departments to maintain effective operations. customer satisfaction by providing timely and informed credit decisions. Maintained accurate and up-to-date records of all credit transactions and decisions. Evaluated and approved credit applications based on thorough financial analysis and risk assessment. Conducted detailed financial analyses to determine creditworthiness of potential and existing clients. Established credit limits by analyzing financial information and assessing market conditions. Negotiated terms with clients facing financial difficulties to maximize recovery and maintain relationships. Coordinated with sales and customer service departments to align credit policies with business objectives. Developed and implemented strategies for effective debt collection, reducing delinquencies.

Deputy Officer-Credit Operations (VF)

Chola Business Services Limited
Khategaon
03.2018 - 08.2018
  • Perform initial appraisal of potential borrowers by thoroughly examining their applications. Interview applicants to evaluate their eligibility for a vehicle loan. Conclude on all applicable financial and non-financial criteria. Review and evaluate loan applications, and ensure completeness of documentation. Assess creditworthiness of applicants and determine loan eligibility. Analyze credit risk and make recommendations on loan approvals and rejections. Ensure compliance with company policies and regulatory requirements. Manage the loan sanction and disbursement process, and ensure timely delivery of funds. Monitor loan accounts and ensure timely repayments. Maintain accurate records and documentation of loan transactions. Provide excellent customer service to borrowers and resolve any queries or issues.

Credit Verification Officer

Indusind Marketing and Financial Services Pvt.Ltd.
Harda
01.2016 - 03.2018
  • Assess the creditworthiness of loan applicants by reviewing financial documents, verifying it, and analyzing potential risks. Ensure compliance with bank policies and regulatory requirements, interact with customers to gather and clarify information, and coordinate with other departments to streamline the loan approval process. Additionally, maintain detailed reports on loan applications and detect fraudulent activities, playing a crucial role in minimizing the bank's risk and ensuring the financial soundness of vehicle loans.

Education

Bachelor Of Commerce -

Barkatullah Vishwavidyalaya
Bhopal
04-2015

Sales Associate(Diploma) -

Nalanda Inst. For Computer & Vocational Training
Harda
05-2014

Higher Secondary - Commerce

Board Of Secondary Education Madhya Pradesh
Bhopal
03-2008

High School -

Radhaswami High School
Timarni
03-2006

Skills

  • Credit risk management
  • Credit evaluations
  • Underwriting expertise
  • Loan decision assessments
  • Negotiation
  • Build customer relationships
  • Fraud prevention
  • Team Management
  • Financial analysis and reporting
  • Time management abilities
  • Multitasking Abilities

Languages

Hindi
First Language
English
Advanced (C1)
C1

Timeline

Senior Branch Credit Manager

IDFC First Bank Limited
08.2018 - Current

Deputy Officer-Credit Operations (VF)

Chola Business Services Limited
03.2018 - 08.2018

Credit Verification Officer

Indusind Marketing and Financial Services Pvt.Ltd.
01.2016 - 03.2018

Bachelor Of Commerce -

Barkatullah Vishwavidyalaya

Sales Associate(Diploma) -

Nalanda Inst. For Computer & Vocational Training

Higher Secondary - Commerce

Board Of Secondary Education Madhya Pradesh

High School -

Radhaswami High School

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Ishwar Singh