Keshav Gupta
Credit Manager
New Delhi
Summary
With more than 8 years of experience in the financial sector as a credit manager, I have learnt about Underwriting, Risk management, financial analysis, collections and due diligence for Home loan, Loan against Property, Lease Rental Discounting, Personal loan and car loan. My strongest skills are communication, problem-solving, customer focus, and flexibility.
Overview
9
9
years of professional experience
9
9
years of post-secondary education
4
4
Certifications
Work History
Senior Credit manager
HDFC Bank
New Delhi
03.2022 - Current
- Evaluating loan against property proposals covering financial risk, business risk and industrial risk. Verifying the promoter’s track & ascertaining their credit worthiness.
- Analysis of credit history of Customer, Financial analysis and review of Tax Audit report of customer, Review of legal and technical report of Collateral, Conducting Visits at applicant’s office/business premise or business verification, Negotiating the terms of the loan with customers, Managing complete loan proposals from login to disbursement
- Conducting Visits at applicant’s office/business premise for business verification.
- Negotiating the terms of the loan with customers.
- Managing complete loan proposals from login to disbursement. Follow up for EMIs with applicants after disbursement and completing audit queries, if any.
- Have approval authority of INR 50 lakh.
Deputy Manager
Profectus Capital Private Ltd
New Delhi
09.2021 - 03.2022
- Evaluation of Loan against property (LAP) cases within defined guidelines and accordingly takes decision and recommend for approval to higher authorities. Financial analysis and review of Tax Audit report and analyzing Ratios like- DSCR, Dept-Equity, Gross Profit Turnover ratio, Stock Turnover ratio, Current ratio, average payable, receivable period etc.
- Conduct Personal discussion with applicant to evaluate credit worthiness.
- Managing complete life cycle of loan proposal. Collections and follow up of overdue amounts and EMIs with customer.
- Commercial and Consumer CIBIL review to assess credit history and applicant willingness.
- Asset/Collateral evaluation through legal and technical reports along with proposed property chain.
- Managing collection portfolio
Deputy Manager
Shinhan Bank
New Delhi
06.2019 - 09.2021
- Managing retail loan portfolio of national and international clients. Credit assessment of Home Loan, Loan against property, car loan and personal loan applications for salaried and self-employed applicants within defined guidelines and accordingly take decisions or recommend for approval to higher authority.
- Financial analysis, Credit history assessment of customer, Evaluation of Asset/Collateral, Preparation of loan documents, Collection and follow up of overdue amounts and EMIs, Completing audit queries
- Credit history assessment of applicants through CIBIL, Prepare credit and loan reports, personal visit and verification of applicants. Verification of all the borrowers and about his/her company through internet and various government regulatory bodies.
- Evaluation of Asset/Collateral through legal and technical reports along with collateral documents.
Branch Credit Manager
Indiabulls Housing Finance Ltd
New Delhi
09.2017 - 06.2019
- Credit assessment of home loan and LAP (Loan against property) applications of self-employed cases.
- Managing the complete life cycle of home loan proposal from sanction to disbursement. Responsibilities include: Personal discussion with applicants, Financial Analysis, Risk management, Disbursement, technical & legal report analysis, MIS reporting, conducting various research and investigations through internet, primary data and government regulatory bodies.
- Portfolio Audit and securitization.
- Post Disbursement documents (PDD) follow up and collection
- EMI follow up with applicants and collection of net receivables from customers.
Branch Credit Manager
Dewan Housing Finance Ltd
New Delhi
06.2015 - 09.2017
- Credit assessment of home loan applications of Self employed, salaried and NRI cases (for countries like- USA, UK, UAE, gulf and other countries) as per the credit policy of company
- Managing the complete life cycle of home loan proposal from sanction to disbursement
- Personal discussion with applicants, Financial Analysis, Risk management, Disbursement, technical & legal report analysis, Data reporting, conducting various research and investigations through internet, primary data and government regulatory bodies.
Research Analyst
AFII Corporate Advisors Limited
New Delhi
12.2013 - 01.2015
- Primary and secondary search on various sectors, industries and companies
- Merger & Acquisition, evaluation of financial reports, study of company operations.
Education
MBA - Finance And International Business
New Delhi Institution of Management/PTU
New Delhi 04.2012 - 03.2014
Bachelor of Arts - Economics
Ram Lal Anand College, Delhi
New Delhi 08.2007 - 05.2012
Higher Secondary - Commerce with Mathematics
CBSE Kulachi Hansraj Model School
03.2006 - 02.2007
Senior Secondary - All Subjects
Kulachi Hansraj Model School
New Delhi 03.2004 - 02.2005
Skills
MS Office
Certification
Certificate of Completion of Credit workshop program and Time management
Timeline
Senior Credit manager
HDFC Bank
03.2022 - Current
Deputy Manager
Profectus Capital Private Ltd
09.2021 - 03.2022
Deputy Manager
Shinhan Bank
06.2019 - 09.2021
Branch Credit Manager
Indiabulls Housing Finance Ltd
09.2017 - 06.2019
Certificate of Completion of Credit workshop program and Time management
11-2016
Employee of the month in DHFL
09-2016
Branch Credit Manager
Dewan Housing Finance Ltd
06.2015 - 09.2017
Research Analyst
AFII Corporate Advisors Limited
12.2013 - 01.2015
One among the top five in PGDBM second semester final examination
05-2013
First prize in LAC (Linear algebra & calculation)
05-2012
MBA - Finance And International Business
New Delhi Institution of Management/PTU
04.2012 - 03.2014
Bachelor of Arts - Economics
Ram Lal Anand College, Delhi
08.2007 - 05.2012
Higher Secondary - Commerce with Mathematics
CBSE Kulachi Hansraj Model School
03.2006 - 02.2007
Senior Secondary - All Subjects
Kulachi Hansraj Model School
03.2004 - 02.2005
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