Manoj Sharma
Credit Manager
Bahadurgarh
Summary
Experienced with credit risk assessment, and team leadership. Utilizes strategic planning to streamline credit processes and enhance performance. Track record of implementing effective credit policies that drive company growth and maintain compliance. Ability to lead teams and optimize credit processes through planning and collaboration.
Overview
10
10
years of professional experience
Work History
Credit Manager
Tata Finance
01.2025 - Current
- Responsible for reviewing Home loan and LAP application for completion of required documentation.
- Responsible for continuous interaction with Sales and operations unit for efficient loan processing.
- Manage team of 2 CPA who coordinate with sales for CAM, legal, technical and PDD documents.
- Responsible for meeting and Personal discussion with customer to understand their business, Profile and loan requirement.
- Ensure that all formalities as per Tata product and policy norms are completed prior to loan approval by Cluster credit manager.
- Act as key point of contact for customer for efficient and smooth processing of loan application.
- Active engagement with 3rd party vendors and track completion of all necessary verifications/checks related to the loan application within the required time.
- Study, analysis and interpretation of legal technical reports of property.
- Assist the Cluster Credit Managers in credit approvals.
- Ensure that all formalities as per Tata product and policy norms are completed.
- Developed and implemented streamlined credit evaluation procedures, enhancing efficiency and accuracy in loan approvals.
- Mentored junior team members in credit analysis techniques, fostering professional growth and enhancing team performance.
Credit Manager
RBL Bank
07.2023 - 12.2024
Credit Manager
Piramal Capital and Housing Finance
11.2021 - 07.2023
Credit officer
Citibank
05.2018 - 10.2021
Executive
Aptara Inc.
04.2016 - 05.2018
- Maintaining Schedules for daily invoicing process, deliver invoices in batch via mail, Maintaining Data base for projects.
- Responsible for maintaining all data in Excel, related to Sales Forecasting, Planning & Target Achievement.
- Preparing Spent report and MIS for my respective SBU.
- Follow up with customer plus create Debit/credit Memo When required.
- Month end reconciliation of every project and Co- ordinate with operation Team.
- Report consolidation and month end final invoices preparation of projects for clients.
- Resolve query of clients, on billing related issues.
- Follow up for Payments
Education
MBA - Finance & Marketing
PDM University
B. Com - undefined
Maharshi Dayanand University
Senior Secondary - undefined
S.R Century Public School
Skills
Loan underwriting expertise
Effective communication skills
Effective team coordination
Basic computer proficiency
Credit assessment
Efficient loan processing
Interests
Listening to music, Internet surfing, Watching movies & online series
INTERNSHIP EXPERIENCE
- Organization HSIL
- Profile Trainee
- Completed 2 months training project with Hindustan Sanitaryware Industries Ltd.
- Working as Trainee and managed accounting operation Under the Supervision of Account Head.
Timeline
Credit Manager
Tata Finance
01.2025 - Current
Credit Manager
RBL Bank
07.2023 - 12.2024
Credit Manager
Piramal Capital and Housing Finance
11.2021 - 07.2023
Credit officer
Citibank
05.2018 - 10.2021
Executive
Aptara Inc.
04.2016 - 05.2018
B. Com - undefined
Maharshi Dayanand University
Senior Secondary - undefined
S.R Century Public School
MBA - Finance & Marketing
PDM University