Summary
Overview
Work History
Education
Skills
Websites
Hobbies and Interests
Personal Information
Languages
Timeline
Generic

Jekee Kiree

Rajkot

Summary

  • Accomplished and results-oriented Hub Credit Manager with over 11 years of experience in the NBFC domain.
  • Proven expertise in risk analysis, credit assessment, and loan underwriting.
  • Knowledgeable Area (Hub) Credit Manager with solid background in managing credit operations and mitigating financial risks. Recognized for implementing effective credit policies that support business growth and customer satisfaction. Proven ability to lead teams and optimize credit processes through strategic planning and collaboration.
  • Experienced finance professional prepared for role. Strong focus on risk assessment, credit analysis, and client relationship management. Known for team collaboration and achieving results. Reliable and adaptable, skilled in financial reporting, regulatory compliance, and strategic planning.
  • Demonstrated ability to appraise creditworthiness and make informed lending decisions.
  • Detail-oriented Credit Underwriter skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 11 years of financial industry expertise.
  • Strong analytical and problem-solving skills with a solid background in commerce.

Overview

12
12
years of professional experience

Work History

Hub Credit Manager

Agriwise Finserv Limited
10.2015 - Current
  • Company Overview: Formerly known as Staragri Finance Limited
  • Lead and manage the credit hub operations, overseeing the credit appraisal process for loan applications
  • Conduct comprehensive risk assessments, analyzing financial statements, credit reports, and other relevant information
  • Collaborate with cross-functional teams to ensure compliance with lending policies and regulatory requirements
  • Proactively identify and mitigate credit risks, contributing to the overall risk management strategy
  • Streamline underwriting processes to improve efficiency and reduce turnaround times
  • Provide mentorship and training to junior credit analysts to enhance team capabilities
  • Investigated and evaluated customers for creditworthiness and potential risk factors
  • Onboarding customers basis their requirements of funds that suits their needs best basis the process of Risk Assessment and Credit Worthiness
  • Customer service after onboarding and taking care of various needs such as Top-up funding, TDS refunds, and suchlike as per eligibility and company policy
  • Provided resources and expertise for conversion, validation and training required for company-wide software updates
  • Referred delinquent accounts to collections department or outside resources
  • Login process of Secured Loans - Mortgages (LAP), Unsecured Loans, and Ware House Receipt Finance (WHR), and various other credit facilities as per the requirements of the client/customer
  • Handled credit underwriting of Agri Profiles - Crop Loans & Cattle Loans of other States such as Maharashtra, Orissa, Madhya Pradesh, Telangana and look after it end to end remotely from login till disbursement
  • Verification of all documents required as per Credit & Underwriting Policy
  • Personal Discussion with Customers and preparation of Credit Recommendation Report
  • Appraised Proposals ranging from Rs.10 Lakh to Rs.2.5 Crores independently
  • Empanelment of various external agencies for the verification of documents, assets, collaterals, reference checks, background verification, fraud control etc
  • Vendors Management and Follow up (such as FI Agency, Technical Agency, Legal Vendor, RCU, LIP Agency)
  • Work cross-functionally with sales, management, and other departments to maintain effective operations.
  • Improved credit risk management by implementing effective underwriting policies and procedures.
  • Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Ensured timely resolution of disputed accounts, working closely with internal and external stakeholders to maintain positive customer relationships.
  • Built a high-performing credit management team with a strong focus on collaboration, accountability, and continuous development.
  • Developed strong relationships with clients through professional communication and timely resolution of credit issues.
  • Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
  • Reviewed and updated credit policies regularly in response to changing market conditions, industry trends, and emerging risks.
  • Mentored junior team members in credit management best practices to enhance overall department performance.

Credit Executive

Tata Business Support Services Limited
10.2014 - 08.2015
  • Company Overview: Erstwhile known as E-nxt Financials Ltd
  • Investigated and evaluated customers for creditworthiness and potential risk factors
  • Login process of Mortgages (LAP) Files - Home Equity Products
  • Credit Eligibility Evaluation Process of Files& Verification of all documents required as per Policy
  • Vendors Management and Follow up such as FI, Technical, Legal, RCU, LIP.
  • Daily MIS & NDC - Disbursement
  • Evaluated clients' financial statements regularly to identify early warning signs of potential defaults or deteriorating financial conditions.
  • Developed customized credit solutions for clients based on their unique financial needs and risk profiles.
  • Improved client satisfaction with efficient handling of credit applications, loan negotiations, and documentation processes.
  • Leveraged strong analytical skills and financial acumen to make informed recommendations on credit limits and pricing structures for clients.
  • Collaborated with cross-functional teams to streamline the credit review process, resulting in faster decision making.
  • Facilitated open communication between sales teams and credit departments to ensure a smooth application process for clients seeking financing solutions.
  • Enhanced internal controls by establishing clear guidelines for documentation, approval levels, and reporting requirements in the credit process.
  • Identified new business opportunities through market research and networking events, contributing to increased revenue generation.
  • Work cross-functionally with sales, management, and other departments to maintain effective operations.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Reviewed and analyzed loan procedures.
  • Oversaw reporting, documentation and recordkeeping requirements for department.
  • Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.

Executive - Credit Operations

Religare Finvest Limited
05.2013 - 10.2014
  • Working Capital Loans: Conducted in-depth analysis of client financials and cash flow projections to assess eligibility for working capital loans. Evaluated liquidity ratios, credit scores, and revenue cycles to establish loan terms that align with risk appetite and company policies.
  • Unsecured Loans: Managed the underwriting process for unsecured loan applications, implementing thorough risk assessments without collateral to safeguard against potential defaults. Conducted comprehensive evaluations of creditworthiness, personal guarantees, and income stability.
  • Risk Assessment & Credit Analysis: Performed detailed credit analysis and implemented a risk-based pricing model for diverse loan products. Utilized financial metrics such as DSCR, current ratio, and other KPIs to support credit decisions for medium- to high-value loans.
  • Cross-functional Collaboration: Worked closely with account management and legal teams to streamline loan documentation and compliance. Provided risk insights to support decision-making and ensure a smooth loan approval process.
  • Portfolio Management & Monitoring: Maintained and monitored a portfolio of working capital and unsecured loans, proactively identifying potential risk indicators and implementing necessary interventions to prevent delinquency.
  • Login process of SME Unsecured Loans and Mortgages (LAP) Files
  • Verification of all documents required as per Policy
  • Credit Eligibility Evaluation Process of Files
  • System Entry in Finance Software
  • Vendors Management and Follow up (such as FI Agency, Technical Agencies, Legal Vendor, RCU, LIP Agency)
  • Cash Management of Branch Walk-ins
  • Customer Services at Branch (For CV,CE,SME & Mortgage - Foreclosure Requests, Part Payments, TDS Refunds, NOC for CVs, Reprising Queries etc)
  • Customer Retention as per the policy
  • Daily MIS
  • NDC - Disbursement
  • Implemented innovative credit analysis techniques, leading to improved underwriting standards and reduced loan defaults.
  • Contributed to the development of strategic business plans by providing valuable insights on industry trends, competitive landscape, and potential growth opportunities.
  • Streamlined workflow systems within the department by introducing automation tools that led to increased accuracy and time-saving efficiencies.

Education

CS Executive Program - Company Law, Labour Law, IPR, Insolvency Laws

The Institute of Company Secretaries of India
New Delhi, India
08-2024

M.Com - Master of Commerce

Saurashtra University
Rajkot
03.2014

CA - IPCC - Group I - Financial Accounting, Corporate Laws, Auditing

Institute of Chartered Accountants of India
New Delhi, India
05.2012

B.Com - Bachelor of Commerce

Saurashtra University
J J Kundaliya Arts & Commerce College
03.2008

CA - PE - I -

Institute of Chartered Accountants of India
05.2006

Skills

  • Expertise in Finnone
  • Expertise in Omnifin
  • Investigations
  • Credit Reports Analysis
  • Perseverance & Reliability
  • CIC Regulatory Compliance
  • MS Office / Office 365
  • Underwriting Expertise
  • Credit Risk Management
  • Adaptable to market fluctuations
  • Problem-solving abilities
  • Multitasking
  • Relationship building and Management
  • Customer Relationship Development
  • Financial Analysis and Reporting
  • Team Management
  • Time Management Abilities
  • Problem-solving Aptitude
  • Fraud Detection & Prevention
  • Portfolio Management
  • Business Intelligence
  • Multitasking Abilities
  • Team Handling
  • Process Optimization
  • Research and Due Diligence
  • Mentoring and Training

Hobbies and Interests

  • Reading
  • Meditation
  • Skill Improvements
  • Learning New Languages

Personal Information

  • Age: 36
  • Gender: Male
  • Marital Status: Single

Languages

English
Bilingual or Proficient (C2)
Gujarati
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Sindhi
Advanced (C1)
Punjabi
Beginner (A1)

Timeline

Hub Credit Manager

Agriwise Finserv Limited
10.2015 - Current

Credit Executive

Tata Business Support Services Limited
10.2014 - 08.2015

Executive - Credit Operations

Religare Finvest Limited
05.2013 - 10.2014

CA - PE - I -

Institute of Chartered Accountants of India

CS Executive Program - Company Law, Labour Law, IPR, Insolvency Laws

The Institute of Company Secretaries of India

M.Com - Master of Commerce

Saurashtra University

CA - IPCC - Group I - Financial Accounting, Corporate Laws, Auditing

Institute of Chartered Accountants of India

B.Com - Bachelor of Commerce

Saurashtra University

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