Jay Agrawal
Surat
Summary
Detail-oriented Credit Manager with a strong background in financial analysis and credit risk assessment. Proven ability to implement strategies that minimize risk while driving business growth.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Credit Manager (Working Capital)
Yes Bank
Surat
03.2024 - Current
- Managed credit assessments for loan applications and customer inquiries.
- Evaluated customer creditworthiness through financial analysis and risk assessment.
- Collaborated with sales teams to ensure compliance with credit policies and guidelines.
- Reviewed and approved credit limits based on company standards and customer profiles.
- Implemented strategies to minimize credit risk while supporting business growth initiatives.
- Monitored account performance to identify potential delinquencies or repayment issues.
- Ensured timely and accurate processing of all credit transactions.
- Submitted delinquent accounts to collections department or outside resources.
- Conducted periodic reviews of existing clients to adjust credit limits and terms as necessary.
Credit Manager (Mortgage)
ICICI Bank
Vadodara
02.2021 - 02.2024
- Supervised appraisal and approval of proposals, overseeing credit underwriters' activities.
- Managed complete credit application process from login to disbursement.
- Ensured portfolio quality while maintaining compliance with policy standards.
- Handled post-disbursement documentation and monitored partially disbursed cases.
- Coordinated with legal, technical, financial institutions, and Risk Containment Unit for file processing.
- Trained credit underwriters on policy norms while providing input to enhance policies and processes.
- Maintained turnaround time for delivering sanction letters and disbursements.
- Resolved customer issues and legal matters related to sanction and disbursement procedures.
Education
Chartered Accountant - Accounting And Finance
The Institute of Chartered Accountants of India
Vadodara11-2019
Bachelor of Commerce - Accounting And Finance
The Maharaja Sayajirao University of Vadodara
Vadodara03-2018
Skills
- Financial analysis and credit risk assessment
- Credit policy compliance
- Loan processing and delinquency management
- Customer relationship management
- Technical Analyst
Languages
Hindi
First Language
English
Advanced (C1)
C1
Affiliations
- Swing Equity & Forex Market Trader
- Participated in the IMPULSE 2019 (Fun Fair) organized by the Vadodara branch of WICASA
- Attend the National Convention and Student Conference organized by the Vadodara branch of WICASA
- Took part in the 'Clean India Initiative' during the orientation training
Accomplishments
- I received an appraisal letter of 'Exceeds Expectations' from Yes Bank
Certification
- Irresistible Stock Market Architecture 2.0
- Advanced Integrated Course on Information Technology & Soft Skills - Management & Communication Skills Course
- Orientation Course
- Advanced Integrated Course on Information Technology & Soft Skills - Advanced Information Technology
Timeline
Credit Manager (Working Capital)
Yes Bank
03.2024 - Current
Credit Manager (Mortgage)
ICICI Bank
02.2021 - 02.2024
Chartered Accountant - Accounting And Finance
The Institute of Chartered Accountants of India
Bachelor of Commerce - Accounting And Finance
The Maharaja Sayajirao University of Vadodara
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