Lokesh Barkeshiya
Sikar
Summary
Credit Manager evaluating secured and unsecured loan applications across business, mortgage, housing, and personal lending. Leads financial analysis, KYC/CIBIL-CRIF review, and PD verification to approve cases within delegated limits and escalate higher-risk files with clear recommendations. Maintains MIS reporting, TAT adherence, and vendor coordination across multiple branches to protect portfolio quality and audit readiness.
Overview
1
1
Language
4
4
years of professional experience
Work History
Credit Manager
SRNG Finance Pvt. Ltd.
06.2025 - Current
- Review [number] secured and unsecured loan files weekly for underwriting and eligibility assessment.
- Analyze ratio trends, cash flow, GST, and Karza checks to assess borrower repayment capacity.
- Approve cases within defined limits and escalate exceptions to higher management with clear credit recommendations.
- Conduct telephonic, video, and physical PDs while coordinating FI, RCU, technical, legal, and field agencies.
- Monitor loan portfolio quality, identify credit risks, and support regulatory and internal compliance requirements.
- Prepare daily, weekly, and monthly MIS reports on productivity, loan status, TAT adherence, and portfolio performance across six branches.
Credit Manager
Finova Capital Pvt. Ltd.
11.2024 - 06.2025
- Reviewed loan login files for KYC compliance, CIBIL/CRIF checks, and verification reports before case approval.
- Conducted Telephonic and Business Video PDs for loans up to ₹30 lakhs; completed physical PDs for higher-value cases.
- Recommended eligible cases to higher authorities after conducting PDs and evaluating borrower documentation.
- Prepared daily productivity and MIS reports while tracking TAT adherence across active loan cases.
- Managed vendor coordination with FI, RCU, PD, technical, and legal agencies to keep loan checks moving.
Credit Manager
CRISS Financial Ltd.
07.2024 - 11.2024
- Underwrite secured mortgage and housing loans, applying credit judgment to evaluate risk and loan structure.
- Verify loan login files against KYC requirements, CIBIL review, and verification reports before processing.
- Recommend eligible cases for approval to higher authorities after reviewing loan quality and credit readiness.
Credit Manager
IIFL Samasta Finance Ltd.
04.2022 - 07.2024
- Underwrote secured business loans from ₹10 lakhs to ₹50 lakhs against company credit policy.
- Prepared loan eligibility assessments using financial and banking analysis to align with credit policy.
- Reviewed loan login files for KYC compliance, CIBIL/CRIF checks, and verification reports.
- Conducted telephonic and video PDs for loans up to ₹30 lakhs, and completed physical PDs for higher ticket sizes.
- Maintained TAT compliance while preparing daily productivity and MIS reports in Microsoft Office.
Education
Master of Commerce - undefined
Shekhawati University
01-2021
Bachelor of Commerce - undefined
Shekhawati University
01-2019
Senior Secondary (12th) - undefined
Rajasthan Board
01-2016
Skills
Loan underwriting
Loan eligibility assessment
Financial analysis
Ratio analysis
Cash flow analysis
KYC compliance
CIBIL/CRIF review
Loan documentation
MIS reporting
Microsoft Office
PD verification
Interests
Playing football, Reading, Listening to Music
Personal Information
- Date of Birth: 14th October 1999
- Nationality: Indian
- Marital Status: MARRIED
Timeline
Credit Manager
SRNG Finance Pvt. Ltd.
06.2025 - Current
Credit Manager
Finova Capital Pvt. Ltd.
11.2024 - 06.2025
Credit Manager
CRISS Financial Ltd.
07.2024 - 11.2024
Credit Manager
IIFL Samasta Finance Ltd.
04.2022 - 07.2024
Senior Secondary (12th) - undefined
Rajasthan Board
Bachelor of Commerce - undefined
Shekhawati University
Master of Commerce - undefined
Shekhawati University