Jignesh Sutariya
B.COM
Ahmedabad
Summary
Qualified B.Com with Over 20+ Years Of Experience in Housing & Mortgage loan (Formal & informal) Credit, Operation & Administration Methodical And Responsible Human Research Dept.
Overview
21
21
years of professional experience
4
4
years of post-secondary education
1
1
Language
Work History
State Credit Head [ Deputy General Manager]
Au Small Finance Bank
Ahmedabad
03.2024 - Current
- Managed multiple projects simultaneously while maintaining focus on meeting key milestones.
- Ensured compliance with relevant regulations by developing robust policies and procedures.
- Collaborated with department heads to establish goals and work plans.
- Reviewed performance results to target and take corrective measures with authorization and escalation.
- Employed best practices and management controls to provide superior service to internal and external customers.
- Oversaw departmental budgeting, ensuring financial sustainability and responsible resource allocation.
- Achieved cost savings through strategic negotiation with vendors and suppliers.
- Championed the adoption of new technologies, streamlining workflows and enhancing overall efficiency.
- Managed budget implementations, employee reviews, training, schedules, and contract negotiations.
- Developed and executed annual business plans, resulting in consistent revenue growth.
- Participated in planning process to achieve corporate objectives.
- Fostered and promoted cooperative and harmonious working climate conducive to maximum employee morale, productivity, and effectiveness.
- Excellent communication skills, both verbal and written.
- Self-motivated, with strong sense of personal responsibility.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Worked flexible hours across night, weekend, and holiday shifts.
- Investigated allegations to check validity and recommend actions to minimize risk.
- Maintained current team documentation, validated codes and tracked invoices to keep accounts and records current.
State Credit Head
Mahindra Rural Housing Finance Limited. [Affordable Segment]
Ahmedabad
05.2018 - 11.2023
- Responsible for supervising the Credit functions of the region
- Monitoring legal & Technical appraisals
- Ensuring speedy disbursal of Home Loan
- Monitoring proper documentation of loan files of the region
- Audit to ensure that the conditions specified in the disbursement advice have been adhered to and that all loan documents are duly filled and stamped
- Random verification of properties financed during branch visits
- Analysis and appraisal of special cases - Individual credit requests in accordance with approved policies and procedures to ensure that credit exposures are created subject to stipulated guidelines
- Monitor strict adherence to credit related regulations
- Timely review and approval/rejection of credit requests
- Provision of information requested by regulatory bodies and auditors
- Value addition to credit requests: Identifying critical risks in credit requests and providing alternative routes by restructuring request to make it viable
- Ensures proper documentation for all approved loans are maintained and processes are adhered to by Credit, Auction property
Regional Credit Manager
Muthoot Homefin (India) Limited
10.2017 - 04.2018
- Underwriting & Process: Credit sanctioning / recommending authority, responsible for risk analysis and credit underwriting of loans as per Policy Manual/Circulars issued from time to time
- Maintains the overall accountability for the credit quality of the loan underwriting and portfolio, including the due diligence, on-boarding and monitoring of the portfolio
- Net Interest Margin: Ensure 2.5% NIM by keeping following check Number of Critical deviation (L4 & L5) approval sought is kept at minimum Proportion of informal income cases kept at balanced level
- Login to Sanction ration: L to S to be maintained at 65% Guidance and training to Sourcing team to bring in desired sourcing quality of cases
- Same can be achieved by understanding and summarising reason of declined cases in last 3 to 6 months Weekly discussions with Sales counterpart for discussing long pending / Declined cases
- Delinquency / Risk: Ensure maximum loan accounts are settled and interest collection is increased
- Maintaining delinquency levels below target levels
- Meticulously monitors and analyses the inherent and emergent risks in the portfolio and pro-actively suggests steps to minimize those risks
- Regulatory Compliances: To ensure strict compliance of statutory regulations such KYC, AML, Lending parameters like LTV, Avoiding restricted property / loan transactions, Filtering proposals / Vendors through NHB defaulter / black li
- Ensure resolution of queries/complaints from External/Internal stake holders: To resolve queries/complaints from customers (including NHB complaints) within stipulated time periods as agreed internally/as directed by external regulatory authority
- Product Development - Design/modification of Home Loan Scheme: Oversee and implement new schemes/modification in Home Loan schemes (including preparation and submission of product notes to committee, coordinate for IT related modifications to accommodate schemes features and new rates and issuance of circulars regarding new schemes to branches) and termination of enviable Home Loan schemes
- Works constructively with the Zonal Credit Head - to design new, customer-friendly product and service solutions in consultation with HO
- Managing credit policy design & implementation
- Team Management: Leads a team of credit underwriters / credit managers in identifying cross-sales opportunities, by targeting new customers, identifying their needs and selling credit and fee based products
- Adherence to guidelines: Ensures appropriate controls and lending guidelines are in place for new acquisition per month
- Ensures proper compliance and audit guidelines are adhered to
Regional Credit Manager
Shubham Housing Development Finance Company Limited
Indore
04.2015 - 10.2017
- Achievement of defined target both in terms of accuracy and volume for all credit officers in the respective branches
- Ensure all MIS are prepared and published within defined timelines
- Ensure all fee collected are deposited by the respective branches within defined timelines
- Ensuring team's adherence to policies and procedures define by the company
- Monitoring/managing team performance, providing feedback guiding and training them on ongoing basis
- Effective management of the capacity and resource allocation
- Managing relationships with the service providers / government bodies in the area
- Effective resolution of customer issues / complaints
- Managing the portfolio of the area within specified limits
- Adherence to policy and corporate governance standers in all branches with administrative related activities
State Manager - Credit
Mahindra Rural Housing Finance Limited. [Rural Segment]
12.2013 - 04.2015
- Responsible for supervising the Credit functions of the region
- Monitoring legal & Technical appraisals
- Ensuring speedy disbursals of Home Loans
- Monitoring proper documentation of loan files of the region
- Audit to ensure that the conditions specified in the disbursement advice have been adhered to and that all loan documents are duly filled and stamped
- Random verification of properties financed during branch visits
- Analysis and appraisal of special cases - Individual credit requests in accordance with approved policies and procedures to ensure that credit exposures are created subject to stipulated guidelines
- Monitor the strict adherence to credit related regulations
- Timely review and approval/rejection of credit requests
- Provision of information requested by regulatory bodies and auditors
- Value addition to credit requests: Identifying critical risks in credit requests and providing alternative routes by restructuring the request to make it viable
- Ensures proper documentation for all approved loans are maintained and processes are adhered to by CLT
Credit & Finance Officer
MANN Auto Limited
09.2010 - 03.2011
- Maintain MIS Of Business Volumes, Customer Details
- Maintaining the Responsibility of Handling Sales Team of 25 Executives
- Maintenance Of Application, Stationeries And Petty Cash
- Salary Process For Sales Executives In Direct Sales Team Recruit The People And Train Them And Support Them To Get Maximum Out Of them
- Assist admin Manager in set-up and renewal of varied service contracts from time to time
- Involve in all admin issues to support the management
Credit Officer
Mas Rural Housing & mortgage Finance Limited
03.2010 - 06.2010
- Support to Credit Manager in Credit Processing
- Check And Validate The Files To Meet Bank Credit Policy
- Co-Ordinate with Field Verification Agency to Get the Reports in Defined Tat on Daily Basis
- Attending To Clients (Individuals) Personal Discussion For Final Credit Decision
- Interacting With Customers To Gather Family Income And Expenses Details
- To Purge Fraud Documents, Underwriting Consumer Finance And Ratification
- Handling Customer Service Operations for Rendering and Achieving Quality Services
Sales-Coordinator [Credit-Operation]
HDFC sales Pvt Ltd [Group of HDFC Ltd]
01.2006 - 12.2009
- Credit Appraisals And Recommending For Sanction Of Housing Loan Proposals For Various Profiles Like Salaried Case, Self Employed Professional, Self Employed Non Professionals And N.R.I
- Initiating Profile Verification and Checking For Risk
- Preparing Of Various Credit Portfolio Analysis
- Maintain MIS Of Business Volumes, Customer Details
- Maintaining the Responsibility of Handling Sales Team of 11 Executives
- Maintenance Of Application, Stationeries And Petty Cash
- Salary Process For Sales Executives In Direct Sales Team Recruit The People And Train Them And Support Them To Get Maximum Out Of Their Qualities
- Vendor Management
- Identification of vendors and maintaining vendor database & Local Purchase
- Responsible for all admin related payments and handling petty cash
- Prepare the MIS report related to admin department on monthly basis
- General coordination within the other offices
- Maintaining attendance register through access control system
- Liasioning with various government departments for approval and renewal of licenses
- Assist admin Manager in set-up and renewal of varied service contracts from time to time
- Involve in all admin issues to support the management
- Timely completion of the assigned work
- Ready to accept challenges and pressures
- Achieve least downtime of assets by following well defined and streamlined maintenance schedules
- To be able to prioritize their workload
- Managing routine office affairs coordinating with inter and intra departments, Branch Offices, Sub Contractors, Customers, Transport, Distributors, Vendors, Consultants, etc on behalf of the reporting official of the organization, handling overall office duties
- Independent corresponding wherever required for general and overall follow ups, scheduling duties, appointments, outdoor duties whenever required for senior executives, Directors and Foreign Delegates
- Including the Hotel and Travel arrangements both Domestic and International (such as visa, forex, air ticket, hotel arrangements etc)
- Security, office boys and housekeeping and reception is reporting for the same
- Recruiting candidates for internal and external office, preparing attendance report for the month with leave report, issuing access card, ID card and giving induction to new employees
Credit Processing Associates
ICICI Home Finance Company Ltd.
12.2003 - 04.2005
- Maintain PDD Documents And Submission To Operation Department
- Maintain Home Loan Disbursement Cheque MIS And Bifurcate With Executives And D.S.A Agency
- Recovery Pdd Documents From Builder, Customer And Lawyer
Education
Plastic engineering - Injection moulding -
Industrial Training Institute, Ahmedabad
01.1998 - 01.1999
Bachelor in Commerce - Advance Accountancy -
G.B.C.C Institute, Gujarat University, Ahmedabad
01.2002 - 01.2005
Skills
Excellent Computer Skills Including A Distinctive Ability To Manage And Delegate Several Tasks In Admin
Stress-free Work Environment Excellent Communicator Seeking A Challenging Position, Utilizing Current Skills and Abilities, With The Opportunity For Professional Growth And To Maintain A Good Human Relationship & Working with A Team Spirit
Areas Of Interest; Credit Operations, Administration, Accountant, Human Resource
Personal Information
- Citizenship: Indian
- Date of Birth: 01/24/82
- Marital Status: Married
Availability
- Any Time [24
- 7]
Timeline
State Credit Head [ Deputy General Manager]
Au Small Finance Bank
03.2024 - Current
State Credit Head
Mahindra Rural Housing Finance Limited. [Affordable Segment]
05.2018 - 11.2023
Regional Credit Manager
Muthoot Homefin (India) Limited
10.2017 - 04.2018
Regional Credit Manager
Shubham Housing Development Finance Company Limited
04.2015 - 10.2017
State Manager - Credit
Mahindra Rural Housing Finance Limited. [Rural Segment]
12.2013 - 04.2015
Credit & Finance Officer
MANN Auto Limited
09.2010 - 03.2011
Credit Officer
Mas Rural Housing & mortgage Finance Limited
03.2010 - 06.2010
Sales-Coordinator [Credit-Operation]
HDFC sales Pvt Ltd [Group of HDFC Ltd]
01.2006 - 12.2009
Credit Processing Associates
ICICI Home Finance Company Ltd.
12.2003 - 04.2005
Bachelor in Commerce - Advance Accountancy -
G.B.C.C Institute, Gujarat University, Ahmedabad
01.2002 - 01.2005
Plastic engineering - Injection moulding -
Industrial Training Institute, Ahmedabad
01.1998 - 01.1999
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