Kailash Chand Saini

• Managing credit operations for multiple locations, including Jaipur, Jodhpur, Bikaner, Bhilwara, and Shahpura.
• Credit assessment, assessed borrowers' creditworthiness, and had sanction authority of 10 lacs.
• Reviewed new and used auto loans and commercial vehicle loan applications, completed, and prepared detailed reports/reviews on loan application findings for senior management review and approval.
• Improved credit approval processes, reducing TAT, and enhancing compliance.
• Team Leadership & Training – Led a team of credit officers, mentoring them in financial analysis, fraud detection, and risk mitigation strategies.
• Implemented strategies to minimize NPAs, enhancing asset quality, and profitability.
• Overseeing risk assessment, credit approval, and collections to ensure healthy portfolio management.
• In my team, we have four assistant managers and conduct regular field visits with the team to gain insights and discuss business with dealers.
• Monitor PDD Updating & Deferral & Regular Training sessions with team & NS, ED (0-12 Months) and 1st EMI contracts regular field visit with team to solve them.
• Taking Care of Sales Team for achieving Branch Targets

Worked as Assistant Credit Manager for all products: the new/used business CV, PV, CE, tractor, and TW, taking care of Jaipur, 3 Branch C Scheme, and Heera Wala, Mansarovar Branch, Approving Authority for 10 lakhs.

Worked as Deputy Officer & Credit Operations All Products The NEW/USED Business CV, PV,CE,TRACTOR,TW

Worked as a third-party Credit Officer in the Credit Department from May 2017 to August 2018 in the New/Used Auto Loan Credit Department and Disbursement

Worked as a third party (HDB ) in the New Auto Loan and Personal Loan departments in the Credit Department from September 2015 to April 2017.