Manjunath M Badiger
Nashik
Summary
Credit Manager supporting home loan and LAP credit processing across KYC review, documentation control, and case movement to credit teams. Coordinates pre-sanction and post-sanction files in Oracle, updates MIS, and keeps records audit-ready while clearing queries to support faster case flow. Brings a practical base in KYC review, document handling, and multi-product loan processing for disciplined credit support.
Overview
1
1
Language
11
11
years of professional experience
Work History
Branch Credit Manager
Altum Credo Home Finance PvtLtd.
12.2025 - Current
- Personal Discussion with Client for better understanding the requirement and due diligence.
- Developed credit policies that improved risk management and ensured compliance.
- Analyzed loan applications to evaluate creditworthiness and assess financial stability.
- Personal Decussion with Client for better understaing the requirment and deu deligiency.
Branch Credit Manager
IKF Housing Finance Ltd.
05.2024 - 12.2025
- Initiated RCU, legal and technical documents with Impaled Vendor.
- Performed due diligence on home loan and LAP, verifying business and collateral residence premises.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Analyzed loan applications to assess creditworthiness and financial stability.
- Designed comprehensive reports detailing portfolio performance metrics and recommendations for senior management review during strategic planning sessions.
- Audit Resolution.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Prepared cash flow projections and cost analysis for monthly, quarterly, and annual reports.
- Reviewed payroll, vendor payments, commissions, and other accounting disbursements for accuracy and compliance.
Credit Manager
Vastu Housing Finance Corporation Ltd.
12.2023 - 05.2024
- Legal and Technical Documents initiation to Legal vendor &Technical Vendors.
- Processed home loan, business loan, LAP, and business verification for residential properties.
- Verification, Property visit, verifying market value of the Property & Third-party Verification.
- Cases recommendation for Approval of Nashik, Yeola , pimpalgaon , Niphad Sangamner Location
- Achieved average monthly processing and recommendations of 20 cases, including bank salaried, cash salary, and SENP.
- Monthly Average Approval Case of Rs. 2 Cr.
- 7.
Credit Officer
EQUITAS SMALL FINANCE BANK LTD.
04.2021 - 12.2023
- Initiated legal and technical documents for vendor engagement in RCU.
- Verified business and collateral premises for home loan and LAP due diligence.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- PD of Home Loan & LAP – with Verifying Business, Collateral residence Premises.
- Designed comprehensive reports detailing portfolio performance metrics and recommendations for senior management review during strategic planning sessions.
- Audit Resolution.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Reviewed payroll, vendor payments, commissions, and other accounting disbursements for accuracy.
Asst. Credit Manager.
Mahindra Rural Housing Finance Ltd.
10.2020 - 04.2021
- Developed home loan and LAP processes, verifying business and collateral residence premises.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Evaluated applicants' financial status, credit, and property to assess loan feasibility.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Prepared cash flow projections, conducted cost analysis, and generated monthly, quarterly, and annual reports.
Sr. Credit Officer.
KIFS HOUSING FINANCEPVT.LTD
10.2018 - 03.2020
- Initiated RCU, legal, and technical documents to facilitate engagement with impaled vendor.
- Analyzed loan applications to assess creditworthiness and financial stability.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- PD of Home Loan & LAP – with Verifying Business, Collateral residence Premises.
- Designed comprehensive reports detailing portfolio performance metrics and recommendations for senior management review during strategic planning sessions.
- Evaluated business processes to uncover cost-saving opportunities and enhance operational efficiencies.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Verified payroll, vendor payments, commissions, and other accounting disbursements for accuracy and compliance.
Credit Officer.
KHUSH HOUSING FINANCE PVT.LTD
09.2016 - 10.2018
- Conducted personal discussions with home loan and LAP customers to assess needs and provide tailored solutions.
- Analyzed loan applications to assess creditworthiness and financial stability.
- Personal communication with third party after PD with Customer.
- Initiated RCU, legal, and technical documents for vendor engagement to streamline loan processing.
- RCU, Legal and Technical Documents initiation to Impaled Vendor.
- Designed comprehensive reports detailing portfolio performance metrics and recommendations for senior management review during strategic planning sessions.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Prepared cash flow projections, cost analysis, and comprehensive reports for monthly, quarterly, and annual reviews to support financial decision-making.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
Credit Officer.
MAS Financial Services Limited.
10.2015 - 09.2016
- Checked files for login compliance with property documents.
- Maintained MIS for efficient tracking of login files.
- Conducted personal discussions with CV, SME, and two-wheeler customers to provide case recommendations.
- Check the file for login with property documents.
- Maintain MIS of login file.
- Works related the Operation Department and Administration Department.
- 2.
Operation Assistance.
MAGMA Fin corp Limited.
07.2015 - 10.2015
- Checked the KYC documents for home loan files and raised queries.
- Data Entry of HOME LOAN proposal in oracle system with all the data of KYC & file should Hand over to credit team.
- HL and LAP MIS to be recorded.
- Maintained MIS for car, commercial vehicle, Suvidha, tractor, and construction equipment files during pre-sanction and post-sanction stages.
- To scan all the Pre-sanction files & all disbursement files of all product and upload to Omni scan
- To maintain the MIS of disbursement Cheque.
- To maintain the MIS of all dispatches file of HO.
- 1.
Education
SSC -
St. Lawrence High School.
Nashik, IndiaHSC -
L.V.H.M College Panchavati
Nashik, IndiaB.COM -
Sir Dr M S Gosavi College of Commerce
Nashik, IndiaPGDBM -
J.D.C.Bytco College of Commerce
Nashik, IndiaSkills
MS Word, Excel & PowerPoint
Credit appraisal
Loan underwriting
Income assessment
Sanction recommendation
Property valuation
Third-party verification
Field investigation
MIS reporting
Branch audit coordination
Credit bureau analysis
CAM preparation
Title due diligence
Case Recommendation
Interests
Photography, Traveling, Music Helping other and Learning
Declaration
I confirm that the information provided by me is true & best of my knowledge & belief me.
Timeline
Branch Credit Manager
Altum Credo Home Finance PvtLtd.
12.2025 - Current
Branch Credit Manager
IKF Housing Finance Ltd.
05.2024 - 12.2025
Credit Manager
Vastu Housing Finance Corporation Ltd.
12.2023 - 05.2024
Credit Officer
EQUITAS SMALL FINANCE BANK LTD.
04.2021 - 12.2023
Asst. Credit Manager.
Mahindra Rural Housing Finance Ltd.
10.2020 - 04.2021
Sr. Credit Officer.
KIFS HOUSING FINANCEPVT.LTD
10.2018 - 03.2020
Credit Officer.
KHUSH HOUSING FINANCE PVT.LTD
09.2016 - 10.2018
Credit Officer.
MAS Financial Services Limited.
10.2015 - 09.2016
Operation Assistance.
MAGMA Fin corp Limited.
07.2015 - 10.2015
SSC -
St. Lawrence High School.
HSC -
L.V.H.M College Panchavati
B.COM -
Sir Dr M S Gosavi College of Commerce
PGDBM -
J.D.C.Bytco College of Commerce