Madhav Dasani
Ahmedabad
Summary
Dynamic Zonal Credit Manager at Unity Small Finance Bank Limited, I excel in re-engineering credit processes and leading high-performance teams. With a proven track record in digital credit underwriting and a focus on sustainable lending solutions, I drive operational efficiency and foster a culture of productivity, achieving superior turnaround times in competitive markets.
Overview
12
12
years of professional experience
Work History
Zonal Credit Manager
Unity Small Finance Bank Limited
Ahmedabad
09.2023 - Current
- Ensured timely processing of loan applications, high-quality credit decisions, and error-free disbursement for BL and partnership business (leading credit vertical).
- Managed team productivity through resource planning, work coordination, and motivation to achieve quick turnaround times.
- Developed internal talent through on-the-job training and feedback, contributing to business growth and branch network expansion.
- Implemented corrective policy actions to maintain delinquency within portfolio performance standards.
- Oversaw setting up new locations, hiring skilled manpower, vendor management, and process governance.
- Promoted to Zonal Credit manager in Apr-2024 basis performance from Regional Credit Manager
State Credit Manager
Fullerton India Credit Co Ltd (Now SMFG)
Jaipur
08.2015 - 09.2022
- Ensuring that business loan product meets assigned business target and performance goals in reference to portfolio quality, audit compliance and overall cost management at Pan India level.
- Managing multiple locations covering various geographies from Gujarat, MP, Rajasthan, and Maharashtra.
- Seasoned MSME business professional with exceptional business and credit underwriting acumen in the lending business to SME businesses and mid-sized corporations.
- Instrumental in collection through rigorous follow ups & collaboration with stakeholders to normalize & settle accounts in unsecured segment.
- Was promoted from Credit Manager to Area Credit manager in 2017 and was further promoted to State Credit Manager in 2021 basis consistent performance
Credit Manager
Capital First Limited
Pune
05.2014 - 08.2015
- Underwriting Cases & building Profitable Book for the organization
- Identifying risks through Personal Discussion & Detailed Financial Analysis
- Special Projects includes implementation & testing of new systems
Consulting Professional
Rajiv Ravani & Co (Chartered Accountants)
Ahmedabad
12.2013 - 05.2014
- All types of Audit including Internal, Statutory & Tax
- Valuation of the business of listed companies, as well as subsidiaries.
Education
Chartered Accountants -
ICAI
11-2013
BCOM -
Mumbai University
03-2008
Skills
- Strengths in re-engineering business processes, achieving operating efficiency, leveraging peer strength, and developing high-performance and self-motivated teams
- Long experience in setting up and managing high-volume, large operations of unsecured products (BL PL through partnership business)
- Proven record in setting up new age digital credit underwriting & business operation across geographies and organizations
- Proven ability in drafting credit policy, credit underwriting, designing a robust credit system, process, and MIS to achieve superior TAT
- With a focus on credit excellence, I empower businesses with sustainable lending solutions The teams I've managed thrive on a culture of low attrition and high productivity, reflecting our shared commitment to fostering robust credit and business frameworks within dynamic market environments
Timeline
Zonal Credit Manager
Unity Small Finance Bank Limited
09.2023 - Current
State Credit Manager
Fullerton India Credit Co Ltd (Now SMFG)
08.2015 - 09.2022
Credit Manager
Capital First Limited
05.2014 - 08.2015
Consulting Professional
Rajiv Ravani & Co (Chartered Accountants)
12.2013 - 05.2014
Chartered Accountants -
ICAI
BCOM -
Mumbai University
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