Jitender Raj
Ghaziabad
Summary
Seeking an attractive and dynamic position where I can fully use my educational and supportive that would enable to me to make progress through gaining a new professional experience and willing to give my best service to the organization.
Overview
7
7
years of professional experience
Work History
Credit Manager
Godrej Capital Ltd
2023.04 - Current
- Analyst potential customer’s creditworthiness and conducted periodic through underpinning credit risk
- Oversee the company’s entire lending process, from evaluating client’s creditworthiness to approving/rejecting loan requests
- Lead, train and motivate credit officer and credit trainee towards obtaining information, studying data and executive strategic decisions under minimum supervision
- Cultivate strong relationship with sales, operation team, RCU and other stakeholders to maintain effective work
- Manage single handed location- Noida
Credit Manager
Axis Bank Ltd
2021.08 - 2023.04
- Analyzed applicants' financials status and credit evaluations to determine loan feasibility
- Work cross- functionally with sales, operations and other department to maintain effective operations
- Handling unsecured business loans for professional and non-professionals
- Ticket size up to 75 Lacs
- Managing vendors billing, CPV agency and DSAs visits on monthly basis
- Handling the team of five peoples who report to me
- Work on delinquency to maintain healthy portfolio of branch
Credit Manager
Aditya Birla Finance Ltd
2020.03 - 2021.08
- Handling Unsecured Business loans, professional loans
- Ticket size is 7.5 Lacs to 50 Lacs for SENP customers
- Physical PD/Video PD with the customer to analysis the business
- Managing vendors, CPV agency and DSAs visits on monthly basis
- Recommendation and Approved the cases as per Authority level
- Working on delinquency/collection
Credit Manager
Magma Fincorp Ltd
2018.02 - 2020.02
- Worked with SME Department for Business loan
- Ticket size is 7.5 Lacs to 50 Lacs for SENP customers
- To make the telephonic discussion with customers
- Personal discussion with the customer to analysis the business
- Underwriting the case as per policy and products
- Recommendation and Approved the cases at Authority level
- Working on collection and maintain TAT/portfolio of the branch
Credit Relationship Manager
HDB Financial Services Ltd
2017.07 - 2018.02
- Worked with Secured and unsecured loan for salaried and SENP Customers- Ticket size is 5 Lacs to 50 Lacs
- To make the telephonic discussion with customers
- Personal discussion with the customer to analysis the business
- Initiate the FCU, Legal and Valuation of particulars files
- Prepare the CAM including financials,RTR Sheet and Banking
- Check property paper and legal as per type of cases
Education
MBA - Finance
Abdul Kalam Technical University Lucknow
Ghaziabad2017-07
Skills
- Hardworking
- Honesty
- Integrity
- Maturity
- Ready to take new initiatives
- Positive attitude
- Positive thinker
- Ready to help each other
- Ready to learn new things/skills
- Good Managements
- Problem solving
- Self confidence
- Decision making
Affiliations
- Developing Confidence and Self-Awareness
- Adapting To Change
- Having Empathy And Open-Mindedness
- Balancing Personal And Professional Life
- Building Strong Relationships
Personal Information
- Father's Name: Sh. Lokender Singh
- Date of Birth: 03/13/1992
- Marital Status: Married
Academicqualification
- MBA(Finance & Marketing) in 2017 from Aadhunik Institute of Technology and management Ghaziabad (62.48%)
- M.Com (Account & Finance) in 2013 from Mahatama Gandhi University (78.05%)
- B.Com (Prog) in 2011 from University of Delhi (58.07%).
- 10th & 12th passed from C.B.S.E. Board Delhi
Accomplishments
- In FY 23-24 I have got performace champion award in three quarter i.e 1st, 2nd & 4th.
- Also awarded from our CRO for Best Credit Manager in entrie North India.
Hobbies and Interests
- Teaching
- Playing cricket
Languages
Hindi
First Language
English
Upper Intermediate (B2)
B2
Disclaimer
I hereby declare that all the information provided here in, are correct to the best of my knowledge and belief.
Timeline
Credit Manager
Godrej Capital Ltd
2023.04 - Current
Credit Manager
Axis Bank Ltd
2021.08 - 2023.04
Credit Manager
Aditya Birla Finance Ltd
2020.03 - 2021.08
Credit Manager
Magma Fincorp Ltd
2018.02 - 2020.02
Credit Relationship Manager
HDB Financial Services Ltd
2017.07 - 2018.02
MBA - Finance
Abdul Kalam Technical University Lucknow
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