Ketan Huria
Branch Credit Manager
Delhi North
Summary
Credit Manager and dedicated team player experienced in overseeing operations of individual and multi-unit facilities for more than 5 years. Seeking new position with exciting challenges where great skills in financial analysis and risk management will be valued. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. Organized and motivated employee eager to apply time management and organizational skills in various environments. Seeking Mid-level opportunities to expand skills while facilitating company growth.
Overview
7
7
years of professional experience
Work History
Branch Credit Manager
RBL Bank
02.2024 - Current
- Review the financial health of loan applicants by examining credit reports, financial statements, income verification, and other relevant documents.
- Evaluate the risk associated with extending credit by considering factors such as credit history, debt-to-income ratios, and industry risks.
- Make decisions regarding the approval or denial of credit applications based on the evaluation of creditworthiness and risk.
- Determine appropriate credit limits and terms based on the applicant’s financial situation and risk profile.
- Identify and address any emerging risks or changes in the credit profile of existing clients.
- Regularly review and monitor the performance of existing credit accounts to ensure they remain within acceptable risk parameters
- Prepare reports on credit performance, risk exposure, and underwriting decisions for senior management and regulatory bodies.
- Continuously review and update credit underwriting policies and procedures to improve efficiency and effectiveness.
- Conduct detailed Financial, Risk, Business, Management and profile analysis of the client including meeting client in person and understanding their business and do in-depth financial and strategic analysis
Portfolio management by analyzing delinquent accounts and helping collection team to recover EMls Gathered information related to assessment of annual bad debt to carry out in-depth reviews. - Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.
Credit Manager
ECL Finance Limited
11.2021 - 02.2024
- Conduct detailed Financial, Risk, Business, Management and profile analysis of the client including meeting client in person and understanding their business and do in-depth financial and strategic analysis
- Portfolio management by analyzing delinquent accounts and helping collection team to recover EMls
- Gathered information related to assessment of annual bad debt to carry out in-depth reviews
- Compiled data and analyzed latest trends, identifying risks preventatively
- Doing UAT testing before its implementation in live environment on behalf of Entire North Credit Team, and Audit queries resolution related to UBL Also assist the MIS Executive for Data related activity for various MIS's
- Managed reporting, documentation and record keeping requirements for department
- Worked with management to evaluate credit strategies and develop improvements
- Evaluated business practices and loan procedures to assess risk and develop mitigation plans to protect business operations and assets
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions
- Trained employees on additional job positions to maintain coverage of roles
- Exercised good judgment and decision-making in escalating concerns and resolving issues
- Assigned tasks to associates to fit skill levels and maximize team performance
- Enhanced team member performance through use of strategic and tactical approaches, motivational coaching and training
- Reviewed accounts for signs of fraud and non-payment issues.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
Assistant Manager (credit Underwriter)
Axis Bank
09.2019 - 05.2021
- Conducting analysis of financial statements of companies and individuals for credit appraisal process
- Analyzed financial data to identify trends, patterns and strategies
- Detailed Borrower Analysis - Includes Ability to make loan repayments, financial spreads of borrower and Guarantor
- Analyzed complex financial in format on to offer recommendations to management, driving decision-making
- Normalizing the financial statements and arriving on the true profitability figures
- Assisted senior management maintain profitability by analyzing portfolios and implementing strategies and techniques
- Spreading the financial statements in a customized web based application
- Providing inputs to the management on changes in credit policy as per recent trends
- Verified documented and requested disbursements to facilitate payments
- Generated financial reports to gamer forecasting, trending and narrative results analysis for management
- Evaluated financial records for accuracy and conformance to regulations.
Credit Manager
lndiabulls
11.2017 - 09.2019
- Created financial management mechanisms to minimize financial risk to business
- Identified needs of customers promptly and efficiently
- Reviewed customer financial data to ascertain level of risk involved for extending credit
- Performing as credit underwriter, analysis the credibility of a customer by using tools like Cibil , Experian and other tools which reflects repayment track and make decisions according to that
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk
- Collaborated with credit association and business representatives to exchange valid credit information
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation
- Evaluated loan structures and ensured credit standards according to company goals and policies
- Analyzed loan transactions and identified credit risks in each of it and prepared necessary projections ensure that Loan Application form, Clients KYC, and other documents required for particular loan product is complete and as per the credit policy before sanctioning and within the TAT
- Ensuring compliance of the Credit Policy and processes within TAT
- Responsible for Credit underwriting decision and Credit Appraising of applicants.
Education
MBA - Finance
Gita rattan international Business School, Gobind Singh lndraprastha University
Bachelor of Computer Applications - undefined
Chander prabhu Jain College,GGSIPU - New Delhi
Skills
Team Building
Leadership
Critical Thinking
Work Planning, Decision Making, Proactive and Focused
Time Management
Technical Skills - Ms Office -Word, Excel, Power point
Risk Assessment
Fraud Understanding
Authorizations Knowledge
Credit Evaluations
Additional Skills- Proficient with Video Editing through Online Software like Movie Maker
Languages
English
Hindi
Punjabi
Timeline
Branch Credit Manager
RBL Bank
02.2024 - Current
Credit Manager
ECL Finance Limited
11.2021 - 02.2024
Assistant Manager (credit Underwriter)
Axis Bank
09.2019 - 05.2021
Credit Manager
lndiabulls
11.2017 - 09.2019
MBA - Finance
Gita rattan international Business School, Gobind Singh lndraprastha University
Bachelor of Computer Applications - undefined
Chander prabhu Jain College,GGSIPU - New Delhi
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