Jitendra Singh Nirwan
Jaipur,RJ
Summary
Oriented Cluster Credit Manager with over 2 years of experience overseeing credit portfolios across multiple branches. Proven expertise in credit risk management, delinquency reduction, credit policy development, and team leadership. Adept at optimizing credit processes to mitigate risk and improve financial performance in highly regulated environments.
Overview
4
4
years of professional experience
Work History
Cluster Credit Manager
Navadhan Capital Private LTD.
04.2025 - Current
- Manage credit operations and risk for 5 branches, supervising a team of 5 credit managers/analysts.
- Manage operations Executives and risk for 5 branches, supervising a team of 5 Operations Executives.
- Develop and implement credit policies that reduced delinquency rates by 0% within the cluster.
- Conduct portfolio reviews and credit risk analyses to identify vulnerabilities and recommend corrective strategies.
- Collaborate with sales and collection teams to optimize loan approval processes and improve customer satisfaction.
- Lead training programs enhancing team compliance and credit assessment accuracy.
- Developed and implemented credit policies, enhancing risk management framework.
- Led credit analysis to assess risk and determine appropriate lending limits.
- Streamlined documentation procedures, improving efficiency in credit approvals.
- Mentored junior staff on credit evaluation processes and best practices.
Senior Credit Manager
Navadhan Capital Private LTD.
11.2023 - 04.2025
- Oversaw credit assessments and approvals for a portfolio valued at 5 CR, improving risk mitigation and collection efficiency.
- Reduced non-performing loans by 0% through proactive monitoring and intervention strategies.
- Prepared detailed credit reports and presented findings to senior management for informed decision-making.
- Enhanced credit assessment tools and implemented data-driven approaches to improve portfolio quality.
- Analyzed financial statements and credit reports, identifying key trends to inform lending strategies.
- Developed and implemented credit policies, streamlining operations and improving compliance standards.
- Led credit risk assessment initiatives, enhancing decision-making processes for loan approvals.
- Mentored junior credit analysts, fostering professional growth and ensuring adherence to best practices.
- Conducted training sessions on credit evaluation techniques, enhancing team capabilities and knowledge retention.
Credit Processing Associate
ICICI Bank
01.2022 - 10.2023
- Processed credit applications with high accuracy, ensuring compliance with internal policies and regulatory standards.
- Reviewed financial documentation to assess creditworthiness, identifying potential risks and recommending solutions.
- Collaborated with cross-functional teams to streamline processing workflows, enhancing efficiency and turnaround times.
- Maintained up-to-date knowledge of credit products, informing customers of terms and conditions effectively.
- Resolved customer inquiries regarding credit accounts, providing timely support and fostering positive relationships.
Education
Bachelor of Science - Mathematics
University of Rajasthan
S S Jain Subodh College JaipurSkills
- Credit Risk Assessment
- Portfolio Management
- Credit Policy Development & Enforcement
- Regulatory Compliance
- Delinquency & Default Rate Reduction
- Financial Reporting & Analysis
- Team Leadership & Training
- Loan Approval & Underwriting
- Data Analytics & Decision Making
- Customer Relationship Management
Accomplishments
- Introduced digital credit assessment tool achieving efficiency gains
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Resolved product issue through consumer testing.
- Supervised team of 50 staff members.
Timeline
Cluster Credit Manager
Navadhan Capital Private LTD.
04.2025 - Current
Senior Credit Manager
Navadhan Capital Private LTD.
11.2023 - 04.2025
Credit Processing Associate
ICICI Bank
01.2022 - 10.2023
Bachelor of Science - Mathematics
University of Rajasthan