Jasmeet Singh
New Delhi
Summary
Results-driven Branch Credit Manager with extensive experience in optimizing credit operations and managing risk. Demonstrated ability to enhance loan procedures and maintain high lending standards in line with organizational policies. Improved credit processes and reduced bad debt losses through strategic risk control management.
Overview
1
1
Certification
3
3
years of post-secondary education
12
12
years of professional experience
Work History
Branch Credit Manager
IDFC First Bank Ltd
Ghaziabad
02.2021 - Current
- Evaluated creditworthiness of applicants based on established criteria such as income level, debt ratio, collateral value.
- Analyzed financial statements, loan applications and credit reports for potential customers.
- Conducted personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents through telephonic, field, and collateral visits.
- Assess income to obligation ratios and its impact on loan performance during loan tenure.
- Performed on-site inspections of collateral for secured loan applications.
- Credit approval / rejection of deal as per authorised limit recommend cases if cross limits.
- Ensured collateral and implemented credit risk mitigation strategies to support the approving authority's decision-making on credit proposals.
- Managed credit risk assessments for loan applications and customer profiles.
- Led team meetings to discuss credit strategies and operational improvements.
- Trained staff on best practices in credit evaluation and decision-making processes.
- Collaborated with sales teams to align credit offerings with customer needs.
- Monitored regulatory compliance related to lending practices and procedures.
- Provided guidance on complex credit cases to support team decision-making efforts.
- Oversaw the review of credit lines to ensure accuracy of information on file.
- Provided guidance to staff members on best practices related to loan processing activities.
- Reviewed customer accounts to identify delinquencies and recommend collection action plans.
- Conducted regular meetings with team members to discuss performance objectives and goals.
Operation Executive
HDB Financial Services Ltd
07.2018 - 02.2021
- Ensured accuracy of CIBIL reports to support lending decisions.
- Credit Appraisal Memo Preparation.
- Disbursement of New account adhering defined process and policy of the respective product.
- Engaged with BCM and ACM to conduct comprehensive due diligence reviews.
- Conducted verification of vetting reports to ensure accuracy and compliance.
- Tracked file discrepancies and coordinated follow-ups with sales for resolution.
- Clearing/resolving LOCC & General Receipt and Cash account open items and reverting to the Central operations team.
- Dispatch of disbursed files, Dealer dockets, Collateral Documents duly updated in DNR portal.
- Processed cash collections and deposited DD and cheques into bank accounts.
- Dispatch of disbursed files, Dealer dockets, Collateral Documents duly updated in DNR portal.
- Facilitated distribution of welcome letters to enhance customer experience.
- Legal and Technical of Lap Cases.
- CMS Tracker updating in respective Collection accounts.
- Handing over the Collateral documents to customer and updating the Customer acknowledgment in the portal.
- Processed vendor bills and tracked submissions, ensuring timely payments.
Operation Executive
Muthoot Finance Ltd
08.2014 - 07.2018
- Reviewed and authorized loan proposals up to 10 lakhs while ensuring KYC compliance.
- Disbursal of loan through Cash, Cheque and Online methods.
- Customer profiling (Is real owner of the gold or not) and convince for gold loan & cross selling of other products.
- Conducted gold valuation using various methods to ensure accurate assessments.
- Assisted customers with inquiries about gold loan schemes and company products.
- Managed vault operations to maintain safety and integrity of assets. safe keeping of gold & cash.
- Oversaw branch team activities to foster collaboration and achieve targets. Motivate and guide them and make a healthy atmosphere.
- Going to meet with HNI Customers like jewelers, property dealers.
- Defaulter list preparation and follow up for interest collection.
- Maintain daily business reports and send to regional office.
Education
MBA -
MANGALAYATAN UNIVERSITY
04.2026 - 09.2026
B.Com - Commerce
Delhi University
04.2010 - 01.2013
12th - English
10th - English
Skills
- Credit Underwriting
- Credit Analysis
- KYC Verification
- CIBIL reporting
- Risk Assessment
- Secured Loans
- Unsecured Loans
- Credit evaluation
- Financial analysis
- Risk mitigation
- Customer relationship
- Team collaboration
- Data interpretation
- Compliance monitoring
- Loan processing
- Collateral evaluation
- Portfolio management
Certification
1 Year Diploma From Institute Of Computer & Finance
Languages
- English
- Hindi
- Punjabi
Experience Months
- English
- Hindi
- Punjabi
Experience Years
- English
- Hindi
- Punjabi
Timeline
MBA -
MANGALAYATAN UNIVERSITY
04.2026 - 09.2026
Branch Credit Manager
IDFC First Bank Ltd
02.2021 - Current
Operation Executive
HDB Financial Services Ltd
07.2018 - 02.2021
Operation Executive
Muthoot Finance Ltd
08.2014 - 07.2018
B.Com - Commerce
Delhi University
04.2010 - 01.2013