JIMMY TIWARI
Ahmedabad
Summary
Multi-talented professional adept at working customers, quality assurance, project managers, and fellow developers to develop leading-edge programs that enhance customers' business success. Strong problem solver and team player.
Overview
21
21
years of professional experience
Work History
DVP Credit-Developer Funding
Capri Global Capital Ltd
09.2023 - Current
- Supervised credit and risk evaluations alongside project analyses to ensure informed decision-making.
- Reviewed portfolio, engaged with developers, and monitored project performance to assess early warning signs and external factors.
- Managed relationships with key connectors and developers to ensure project alignment.
- Guiding the team to understand the capacities of the Business, Cash flows, feasibility of the Project
- Led team-building initiatives to improve collaboration and streamline processes.
AVP Credit-Developer Funding
Fullerton India Home Finance Company
07.2022 - 09.2023
- Evaluated credit and risk for loan applications, analyzing financial history and repayment capability to ensure informed lending decisions.
- Conducted customer meetings and site visits to assess business operations, cash flows, inventory, and project feasibility.
- Presented funding proposals to Lending Committee, articulating key insights and recommendations.
- Received recognition for exceptional performance during annual reviews.
AVP Credit-Construction Finance
Equitas Small Finance Bank
07.2019 - 06.2022
- Developed product policy and established processes for CF business.
- Monitored profitability and performance metrics for CF business.
- Credit / Risk evaluation on Developer Background, Project viability and cash flow analysis
- Built quality portfolio with zero stress, managed portfolio through covid, and completed entire repayment cycle.
- Identifying EWS Triggers & proactively observing & mitigating them
- Recognized and Appreciated for Quality Portfolio
Area Credit Manager-Construction Finance
Reliance Home Finance Ltd.
04.2016 - 06.2019
- Credit / Risk evaluation and Project analysis.
- Conducted customer meetings and site visits to assess business working capacities, cash flows, inventory, project feasibility, and external factors.
- Interacted with approving authority, providing critical information for informed decision-making and engaging in discussions to offer independent insights on credit and economic developments.
- Meeting Customer and making Site visits to understand the working capacities of the business, cash flows, inventory, feasibility of project and other external factors
- Managed redevelopment projects in Mumbai, coordinating with stakeholders to ensure successful execution.
- Participated in securitization and sale of CF portfolio, enhancing liquidity and risk management.
- Certified and awarded along with Promotion during various sprints of the tenure
Credit Manager
Cent Bank Home Finance Ltd
Vadodara & Ahmedabad
07.2014 - 04.2016
- Credit Appraiser for Home Loan and Loan Against Property within TAT
- Approving Cases and preparing appraisal Note and Recommendation for all cases and pursuing at senior level
- Ensured compliance with credit policies and documentation standards.
- Approved cases, prepared appraisal notes and recommendations, and escalated to senior management for review.
- Processed files from login check to final disbursement, ensuring timely cheque handover to customers.
- Interacted with external agencies to foster relationships that support healthy and profitable business outcomes.
- Interaction with External Agencies to maintain healthy and profitable Business
- Assisted with operations for a subsidiary of the Central Bank.
Branch Manager
IIT Insurance Broking & Risk Management Pvt. Ltd.
06.2010 - 06.2014
Branch Support Executive
Birla Sun Life
Jamshedpur
12.2007 - 02.2009
Faculty Finance & Banking
ICFAI University
08.2006 - 11.2007
Officer
ICICI Bank Ltd.
02.2006 - 08.2006
Credit Analysts for 'Shelters'
Citibank
04.2005 - 02.2006
Education
M.B.A - Finance
Sardar Patel University
Vallabh VidyanagarB.B.A -
M.S.University
BarodaSkills
- Financial analysis
- Financial Reporting
- Strategic Planning
- Decision Making
- Analytical thinking
- Proficient in Excel
- Proficient in MSWord
- Time Management
- Leadership
- Team leadership
- Adaptability
Accomplishments
- Qualified Overseas Trip in the Multiple times across all the company's basis the performance
- Appreciated and Promoted due to my accomplishments
- Recognized as Best Monthly Performer for 03/01/17 for admirable contribution in Construction finance in RHFL
- Secured First position in Debate Competition held at school level
- Scored 63rd in GCET for MBA Entrance in entire Gujarat in the year 2003
Preferred Location
- Ahmedabad
- Mumbai
Languages
- English
- Hindi
- Gujarat
- Marathi
Training
- Due-diligence Training, 3 months, 03/01/10, 05/31/10
- Summer Training, Oil and Natural Gas Corporation Ltd., 2 months, 05/01/04, 06/30/04
Previous Experience
- Branch Manager, IIT Insurance Broking & Risk Management Pvt. Ltd., Gujarat, 06/01/10, 06/01/14
- Branch Support Executive, Birla Sun Life, Jamshedpur, Jharkhand, 12/01/07, 02/01/09
- Faculty Finance & Banking, ICFAI University, 08/01/06, 11/01/07
- Officer, ICICI Bank Ltd., 02/01/06, 08/01/06
- Credit Analysts, Citibank Home loan & Mortgages, 04/01/05, 02/01/06
Personal Information
- Husband's Name: Mr. Amit Tiwari
- Date of Birth: 05/15/82
- Gender: Female
- Nationality: Indian
Languages
English
Upper Intermediate
B2
Hindi
Advanced
C1
Gujarati
Advanced
C1
Timeline
DVP Credit-Developer Funding
Capri Global Capital Ltd
09.2023 - Current
AVP Credit-Developer Funding
Fullerton India Home Finance Company
07.2022 - 09.2023
AVP Credit-Construction Finance
Equitas Small Finance Bank
07.2019 - 06.2022
Area Credit Manager-Construction Finance
Reliance Home Finance Ltd.
04.2016 - 06.2019
Credit Manager
Cent Bank Home Finance Ltd
07.2014 - 04.2016
Branch Manager
IIT Insurance Broking & Risk Management Pvt. Ltd.
06.2010 - 06.2014
Branch Support Executive
Birla Sun Life
12.2007 - 02.2009
Faculty Finance & Banking
ICFAI University
08.2006 - 11.2007
Officer
ICICI Bank Ltd.
02.2006 - 08.2006
Credit Analysts for 'Shelters'
Citibank
04.2005 - 02.2006
M.B.A - Finance
Sardar Patel University
B.B.A -
M.S.University