Ketan Javanjal
Pune
Summary
Dynamic Senior Area Credit Manager with a proven track record at Cholamandalam Investment and Finance, excelling in credit evaluation and risk analysis. Expert in underwriting business loans, leading teams, and implementing policies that significantly reduced delinquency rates. Strong customer relationship management skills drive successful outcomes in high-stakes environments.
Overview
10
10
years of professional experience
Work History
Senior Area Credit Manager
Cholamandalam Investment and Finance
Pune
07.2024 - Current
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Conducted a comprehensive review of all credit applications, evaluating each request thoroughly before recommending or rejecting
- Analyzing fraud, risks, and taking due actions & steps while reporting to management.
- Maintaining TAT as per organization guidelines.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales departments.
- Personal discussion with customers by video call, Physical PD and Tele PD to obtain personal and financial data needed to complete credit report.
- Underwriting of business loans, Personal Loans and Professional loans for Direct and Indirect Verticals
- Handling team of area credit Manager, Credit Manager and CPA.
- Ticket size upto 50 lacs
Cluster Credit Manager (ROM)
Neo-Growth Credit Ltd
01.2023 - 06.2024
- Underwriting of Business loans, Supply Chain, Purchases Finance, vendor finance for Direct and Indirect vertical
- Handling team of Area Credit Manager and Credit Manager and CPA.
- Ticket size up Ticket Size 75 lacs, Approving authority of 35 lacs
- Physical PD for 25 above files
- Keep Delinquency under control
Area Credit Manager (SME loans – MH and GJ)
Poonawalla Fin Corp
01.2022 - 01.2023
- Underwriting business loans and professional loans from direct and indirect sources.
- Implementing credit policy and continuously evaluating to ensure adherence to the policy and compliance with the authority matrix.
- Have better relationships with counterparts, like Risk, Operations, and Sales.
- Do the personal PD up to 30 lacs, with the approving authority of 30 lacs.
- Keep Delinquency under Control.
Senior Area Credit Manager (SME Loans - Pune)
Bajaj Finserv
Pune
09.2015 - 12.2021
- Underwriting Business loans, Secured loans, Professional loans, and Salaried loans for both Direct and Indirect verticals
- Do the personal PD up to 75L approving authority of 20L
- Experience in handling Vidarbha (Nagpur belt), Marathwada, and Pune location
- Keep Delinquency under Control.
Education
Master in Marketing Management -
Rajiv Business School
Pune01.2014
Bachelor in commerce -
L.R.T College of Commerce
01.2011
HSC - Commerce
L.R.T College
01.2008
SSC -
Bhikamchand High School
01.2006
Skills
- Credit evaluation
- Risk analysis
- Credit underwriting
- Customer relationship management
- Policy implementation
- Team leadership
Beyond Academics
- Creative thinking and smart working
- Teamwork
- Excellent Communication and good Interpersonal skills
- Endurance and multi-tasking skills
- Customer service and problem-solving skills
Personal Information
- Date of Birth: 03/24/91
- Marital Status: Married
Languages
- English
- Marathi
- Hindi
Projects
Consumer buying behavior toward Karbonn mobile, KARBONN Mobile Pvt. Ltd, 3 months
Disclaimer
I hereby declare that the information furnished above is true to the best of my Knowledge.
Computer Acquaintance Certification
- MS-CIT
- Knowledge of Microsoft Office (Excel, PowerPoint, Word)
- Work experience with systems like Salesforce, Kuliza, ZOHO, Finnone, advance suite and others.
Activities
- Attended 2 days’ leadership development university level Pre–camp training workshop in the session 2009-10.
- Attending National level conferences as a volunteer
- National Service Scheme certificate.
- Vice president of Management forum at college.
- Team leader of the NNS team.
Timeline
Senior Area Credit Manager
Cholamandalam Investment and Finance
07.2024 - Current
Cluster Credit Manager (ROM)
Neo-Growth Credit Ltd
01.2023 - 06.2024
Area Credit Manager (SME loans – MH and GJ)
Poonawalla Fin Corp
01.2022 - 01.2023
Senior Area Credit Manager (SME Loans - Pune)
Bajaj Finserv
09.2015 - 12.2021
Master in Marketing Management -
Rajiv Business School
Bachelor in commerce -
L.R.T College of Commerce
HSC - Commerce
L.R.T College
SSC -
Bhikamchand High School
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