Open To Work
MANOHAR KALANGUTKAR
Nanora, Latambarcem, Bicholim
Work Preference
Summary
Credit Manager – Underwriting experienced in credit risk analysis, personal-loan and retail-loan underwriting, and process optimisation. Delivered improved portfolio quality and enhanced customer risk profiling through effective stakeholder coordination. Committed to providing analytical and operational expertise that drives continuous improvement and supports business objectives.
Overview
4
4
Languages
9
9
years of post-secondary education
10
10
years of professional experience
Work History
Credit Manager
BAJAJ FINANCE LTD
04.2023 - Current
- Managed underwriting and credit decisioning for personal-loan applications, ensuring compliance with credit assessment and risk-analysis principles.
- Review customer profiles, credit bureau information and supporting documentation to support informed lending decisions.
- Monitor portfolio quality and maintain focus on policy adherence, documentation standards and operational turnaround time.
- Coordinated with stakeholders to resolve application issues, enhancing consistency in credit operations.
Credit Operations Manager
BAJAJ FINANCE LTD
10.2021 - 03.2023
- Streamlined credit and operational processes, enhancing application flow, documentation quality, and compliance with internal procedures.
- Monitored work progress and operational performance, coordinating with stakeholders to identify and resolve process bottlenecks.
- Facilitated process discipline and customer risk assessment, contributing to improved portfolio quality.
Assistant Credit Operations Manager
BAJAJ FINANCE LTD
09.2019 - 09.2021
- Coordinated loan application processing, documentation review, and decisioning to ensure efficient credit operations.
- Conducted credit bureau checks and customer-risk assessments to enhance loan-processing accuracy.
- Ensured compliance with operating procedures and facilitated timely resolution of application-related requirements.
Cluster Manager
OYO Hotels & Homes Pvt. Ltd.
12.2018 - 07.2019
- Coordinated day-to-day operational requirements and service delivery across multiple hotels in cluster.
- Facilitated operational follow-up and communication with property stakeholders to ensure alignment and address needs.
- Managed hotel cluster operations across multiple OYO properties
- Monitored daily room inventory, pricing, and occupancy plans
- Coordinated property teams on guest service and housekeeping standards
Assistant Administration Manager
BAJAJ FINANCE LTD
01.2017 - 12.2018
- Coordinated administrative support activities and streamlined routine office and operational requirements.
- Facilitated documentation and internal coordination to ensure adherence to established administrative processes.
- Managed office administration for Bajaj Finance Ltd. branches and corporate teams.
- Coordinated vendor management, service contracts, and office supply procurement.
- Scheduled travel, meetings, and guest arrangements for senior leadership.
Assistant Sales Manager
BAJAJ FINANCE LTD
10.2016 - 12.2016
- Coordinated housing-loan sales support, facilitating customer interactions and application processes.
- Managed loan application process, ensuring compliance with documentation requirements.
- Supported branch sales operations for Bajaj Finance consumer lending products.
- Reviewed loan applications and coordinated customer documentation.
- Built customer relationships for personal loan and consumer durable sales.
Education
Bachelor - Computer Applications
St. Xavier's College, Goa University
Mapusa, Goa 10.2013 - 04.2016
Class XII - H.S.S.C. (Commerce)
D.M.B. Higher Secondary School, Goa Board
Mulgao, Bicholim, Goa 06.2011 - 03.2013
Class X - S.S.C.
J.N.V. Valpoi, CBSE Board
Sattari, North Goa 07.2006 - 04.2011
Skills
- Loan underwriting
- Credit risk analysis
- Customer Risk Assessment
- Credit Bureau Analysis
- Portfolio Quality Control
- Loan processing
- Compliance documentation
- Operations & Process Optimization
- Excel reporting
- MIS reporting
- CRM systems
- Stakeholder compliance
- Cross-functional communication
- Team Collaboration
- Compliance documentation
LANGUAGES
- Title: CREDIT MANAGEMENT | UNDERWRITING | CREDIT OPERATIONS
- Date of Birth: 1995-10-17
SELECTED PERFORMANCE RECOGNITION
- Title: CREDIT MANAGEMENT | UNDERWRITING | CREDIT OPERATIONS
- Date of Birth: 1995-10-17
Languages
Konkani
First Language
English
Proficient
C2
Hindi
Proficient
C2
Marathi
Proficient
C2
Timeline
Credit Manager
BAJAJ FINANCE LTD
04.2023 - Current
Credit Operations Manager
BAJAJ FINANCE LTD
10.2021 - 03.2023
Assistant Credit Operations Manager
BAJAJ FINANCE LTD
09.2019 - 09.2021
Cluster Manager
OYO Hotels & Homes Pvt. Ltd.
12.2018 - 07.2019
Assistant Administration Manager
BAJAJ FINANCE LTD
01.2017 - 12.2018
Assistant Sales Manager
BAJAJ FINANCE LTD
10.2016 - 12.2016
Bachelor - Computer Applications
St. Xavier's College, Goa University
10.2013 - 04.2016
Class XII - H.S.S.C. (Commerce)
D.M.B. Higher Secondary School, Goa Board
06.2011 - 03.2013
Class X - S.S.C.
J.N.V. Valpoi, CBSE Board
07.2006 - 04.2011