Keyur H. Shah
Dahisar West
Summary
Experienced Credit Risk and Credit Manager with a proven track record of evaluating credit worthiness and effectively mitigating risks. Managed unsecured lending portfolios for West and North East regions, ensuring strict adherence to policy guidelines. Successfully streamlined credit approval processes, maintaining a high approval rate while reviewing and processing applications within stipulated TAT, scrutinizing CIBIL reports, and managing fraud cases. Skilled in customer relationship management, collaborating with sales teams, and enhancing verification processes. A proactive professional adept at handling escalations and contributing to policy development.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Credit Manager
Axis Bank
03.2022 - Current
- Evaluated and underwrote loans following predefined policy guidelines.
- Evaluated CIBIL reports, bank statements, and salary slips to make informed decisions.
- Analyzed customer behavior and loan requirements through in-depth discussions.
- Managed digital journey cases while providing consistent feedback to policy team for process improvement.
- FPR for Mysore location where in was responsible for Sourcing channels, Resolving Sales Queries and providing inputs for expanding business on monthly basis
- Coordinate with IT team on system-related issues to ensure smooth process flow.
- Oversaw daily analysis of negative reports related to fraud and credit for applicants.
- Conducted monthly training sessions for SM and CRE to enhance sourcing quality and FTR ratio.
- Conducted one-on-one discussions with customers while evaluating their credit profiles.
- Analyze elements of credit risk and introduce actions to reduce exposure.
- Draft credit approval memos to streamline processing.
- Maintained full compliance with established policy and procedure.
Credit Manager
Kotak Mahindra Bank
05.2017 - 03.2022
- Acted as team leader managing underwriting processes for Kotak Credit card team.
- Underwrite cases to determine eligibility of candidates.
- Evaluated CIBIL reports to assess customer eligibility.
- Oversaw Premium Channel Applications for Wealth Card, Corporate Card, Privy Card, Working Capital Card.
- Examined completeness of KYC, income documents and verification reports.
- Managed and maintained high standards of quality, ensuring successful audits and compliance.
- Daily Review of declined applications to avoid wrong declines
- Preparing Reports and data to track approval rate across all channel
- Performed re-credit checks on cases processed within guidelines.
- Reviewed and improved existing credit processes to optimize performance.
- Contributed to policy creation and evaluation processes.
- Coordinated cross-functional processes with Policy, Sales and Risk teams to streamline operations.
- Managed escalation issues across sales and nationwide branches.
- Managing Duplicate approvals and card number de-dupe matches of applications on daily basis
Intern
NJ INDIA INVEST PVT LTD
05.2015 - 07.2015
- Company Overview: MUTUAL FUND
- Conducted comprehensive analysis of performance across large, mid, and small-cap equity mutual funds in India.
- Understand the Functioning of Mutual Fund Industry
- Interact with Financial & Insurance Advisors to spread awareness for Seminars on "Business opportunities in Mutual Funds"
- Conduct seminars and training sessions for the applicants & explain the opportunities in Mutual funds
- MUTUAL FUND
Intern
Nilesh J. Panchal & Co.
05.2012 - 07.2012
- Company Overview: Auditor
- Audit in Government School under the Sarva Shiksha Abhiyan
- Cross verification of the fund usage by the educational institutions in the target region (Western Line & Harbour Line)
- Auditor
Education
PGDM - Finance
St. Francis Institute of Management & Research
01.2017
BMS - Finance
Bal-Bharati's College
01.2013
XII -
Bal-Bharati's College
01.2010
X -
Poorna Prajna High School
01.2008
Skills
- Microsoft office
- Team Management
- Decision Making
- Finnone
Certification
Top Gun Performance Award for Q3 F.Y 18-19 in Kotak Credit card
Languages
English
Hindi
Gujrati
Marathi
Extra-Curricular Activities
Member, Abhimaan Club for (CSR activity wing of SFIMAR) 2015-2017 Member, CWDC (College Women's Development Cell), SFIMAR, 2015-2017 Placement Leader (SFIMAR 2015-2017)
Academic Industry Projects
- Ratio Analysis and Equity valuation, Bharti Airtel, Idea Cellular & Reliance Communication, 2017
- Basic & Advance Excel Training, SFIMAR, 2015-2016
- Certificate in Alternative Investment Industry (CAII), SS&C Globe Op, 2016-17
- Project on Status of Women in Society, Department of Lifelong Learning and Extension (DLLE), 2016
- Project Management Training, Project Management Institute
- Mutual Fund Project, Reliance Infrastructure Mutual Fund, 2012-2013
Hobbies and Interests
- Cricket
- Exploring new places
- Learning new things
- Listening to music
Personal Information
- Age: 32
- Gender: Male
- Marital Status: Single
Timeline
Credit Manager
Axis Bank
03.2022 - Current
Credit Manager
Kotak Mahindra Bank
05.2017 - 03.2022
Intern
NJ INDIA INVEST PVT LTD
05.2015 - 07.2015
Intern
Nilesh J. Panchal & Co.
05.2012 - 07.2012
PGDM - Finance
St. Francis Institute of Management & Research
BMS - Finance
Bal-Bharati's College
XII -
Bal-Bharati's College
X -
Poorna Prajna High School
Similar Profiles
Lakshay SharmaLakshay Sharma
Deputy Manager at Axis Bank (On Payroll Of Axis Bank)Deputy Manager at Axis Bank (On Payroll Of Axis Bank)
Preethi VPreethi V
Relationship Associate at Axis Bank - Axis Max Life InsuranceRelationship Associate at Axis Bank - Axis Max Life Insurance
Prodip SahaProdip Saha
Collection Officer at HDFC Bank, Bajaj Finance, Axis Bank, IDFC BankCollection Officer at HDFC Bank, Bajaj Finance, Axis Bank, IDFC Bank
ANIL BASAKANIL BASAK
Sales Manager at Axis Max Life Insurance Co. LTD With (AXIS BANK)Sales Manager at Axis Max Life Insurance Co. LTD With (AXIS BANK)
DR YASH NARENDRA JAINDR YASH NARENDRA JAIN
Consultant Radiologist at MM hospital and MM medical centerConsultant Radiologist at MM hospital and MM medical center