Summary
Overview
Work History
Education
Skills
Summary - Career Objective
Timeline
Generic

Manu Singhal

Ghaziabad

Summary

Intend to build a career with leading organization with committed and dedicated people, which will help me to explore myself fully. Willing to work as a key player in challenging and creative environment.

Overview

18
18
years of professional experience

Work History

Area Credit Manager- Chief Manager

Aavas Financiers Ltd
Ghaziabad
07.2024 - Current
  • Identifying and analyzing areas of credit risk.
  • Projecting potential losses and making recommendations to limit risk through deep-dive credit analysis.
  • Decision-making of HL and LAP salaried and SENP cases, with an approval authority of 30 lacs, along with managing and guiding a team of CMs and COS.
  • Monitoring the portfolio to identify early delinquencies, risk factors, and fraud triggers.
  • Significant contributions to system development and improvements in processes for cost benefits and faster decision-making.
  • Producing high-quality results through a natural analytical and problem-solving mindset, extremely results-oriented, and the ability to have a clear understanding of long-term objectives through strong relationship-building skills.
  • Preparation of the Daily COPR Audit Report, reject reinstated MIS, approved WIP.
  • Responsible for property de-linking, canceling and reissuing, transaction auditor reverts, and FEMI calling pre- and post-bounce reduction. Performed regular audits of customer accounts for accuracy in order to prevent financial losses due to improper data entry or reporting errors.
  • Conducted detailed reviews of customer accounts to identify potential areas of risk or fraud.
  • Provided guidance to staff members regarding proper application of credit policies and procedures.
  • Generated monthly reports on the performance of credit activities in assigned area.
  • Ensured timely collection of receivables from customers by maintaining contact with them via phone, email, and mail.

Area Credit Manager

Bajaj Housing Finance LTD
Pune
04.2022 - 07.2024
  • Identifying & analyzing areas of credit risks
  • Projecting potential losses & making recommendations to limit risk through deep dive credit analysis
  • Decision making of HL & LAP Salaried cases with approval authority 90 Lacs along with managing & guiding a team of CMs & COS
  • Monitoring the portfolio to identify early delinquencies, risk factors & fraud triggers
  • Significant contribution in system development & improvement in processes for cost benefit & faster decision making
  • Producing high-quality results through a natural analytical and problem-solving mindset, extremely results-oriented, and the ability to have a clear understanding of long-term objectives through strong relationship-building skills.
  • Preparation of Daily COPR Audit Report, Reject reinstate MIS, Approved WIP
  • Responsible for Property De-linking, Cancel & reissue, Transaction Auditor Reverts, FEMI Calling Pre and Post for bounce reduction

Territory Credit Manager

FULLERTON INDIA CREDIT COMPANY LTD
HIMMATNAGAR
07.2021 - 04.2022
  • Covering 6 branches of Gujarat and 15 branches of Madhya Pradesh.
  • Handling 12 BCMs teams in Gujarat and MP.
  • Credit Appraisal of customers, Sanction/Recommendation of loan proposals.
  • Ensuring Compliance to Credit Policy and Substantial reduction in Sanction.
  • Effective Management of all Business Partners/Franchisee.
  • Credit policy compliance, disbursement & related activities.
  • Maintaining Audit rating of branch through effective process adherence.
  • Managing credit Operations Effectively Management of all team members (Sales managers & Executives). Coordinating with the Sales Team for target achievement.
  • Responsible for Collection and representation of Bounced EMIS.
  • Dealing with delinquent cases and customers.

Cluster Credit Manager, Grade Sr. Manager

Wonder Home Finance
Dehradun
05.2020 - 09.2020
  • I was covering Dehradun, Rishikesh, Haridwar and Roorkee.
  • Handling 5 BCMS teams in UK.
  • Credit Appraisal of customers, Sanction/ Recommendation of loan proposals.
  • Ensuring Compliance to Credit Policy and Substantial reduction in Sanction.
  • Effective Management of all Business Partners/Franchisee.
  • Credit policy compliance, disbursement & related activities.
  • Maintaining Audit rating of branch through effective process adherence.
  • Managing credit Operations Effectively Management of all team members (Sales managers & Executives). Coordinating with the Sales Team for target achievement.
  • Responsible for Collection and representation of Bounced EMIS.
  • Dealing with delinquent cases and customers.

Credit Manager, Grade Manager

Fullerton India Credit Co. Ltd
Dehradun
06.2018 - 04.2020
  • I was covering Dehradun, Haridwar, Rishilesh, Vikasnagar and Roorkee.
  • Handling 5 CPA teams in UK.
  • Credit Appraisal of customers, Sanction/ Recommendation of loan proposals.
  • Ensuring Compliance to Credit Policy and Substantial reduction in Sanction.
  • Effective Management of all Business Partners/Franchisee.
  • Credit policy compliance, disbursement & related activities.
  • Maintaining Audit rating of branch through effective process adherence.
  • Managing credit Operations Effectively Management of all team members (Sales managers & Executives). Coordinating with the Sales Team for target achievement.
  • Responsible for Collection and representation of Bounced EMIS.
  • Dealing with delinquent cases and customers.

Credit Manager, Grade - Asst. Manager

Vastu Housing Finance Ltd
Dehradun
11.2017 - 05.2018
  • Hurdle meeting at Morning and Evening from Sales Team regarding daily activity which they will do in market.
  • PD Visit of clients on his/her business premises and residence and verification from neighbor.
  • Prepared the Credit appraisal Memo & Underwrite the file.
  • Follow up the collection(X-Bucket & Over dues accounts).
  • Preparing MIS Reports & other statements with a view to apprise management of the process credit and assist in critical Decision-making process.
  • Legal & Technical Initiation for further process and follow-up with vendor.

Sr. Credit Officer, Grade Sr

Indiabulls Housing Finance Ltd
Dehradun
03.2013 - 05.2017
  • Managing the disbursement process for home loans handled by the Branch with full efficiency in high and low pressure & with ensuring TAT Improvement.
  • Pre-Approval Activities: Login, Processing, Scrutinizing Documents and Appraising Proposals with risk analysis.
  • Post Approval Activities: Non-Discrepancy checking of Finance related documents, Preparing Disbursal Memo & Disbursement.
  • Preparing MIS Reports & other statements with a view to apprise management of the process credit and assist in critical Decision-making process.
  • Scrutinize the documents for Disbursement as per Company policy.
  • Coordinating end-to-end disbursement process for the Branch.
  • Ensuring that the sanctioned loan for the Branch is disbursed within Turnaround Time.

Operations Officer

Magma Fincorp Ltd
Dehradun
10.2010 - 03.2013
  • Authentic check of documents in Files & Files Disbursements for all products (Car, Construction Equipment, Commercial Vehicle, Tractor and Suvidha.)
  • Handling the RCU Agency.
  • Ensuring the timeliness of file movement & at the same time maintaining the quality of customer file.
  • Ensuring the data integrity in the system.
  • Ensuring the mandatory compliance of company policies.
  • Preparing daily MIS for all products.

CPA Executive

E-NXT Financial Service, A Tata Sons
Dehradun
03.2010 - 10.2010
  • MIS Management, Ensuring Data quality, Data Capturing and publishing of timely MIS as required.
  • Staff and work force management.
  • Complete administration of E-Nxt Dehradun Branch.
  • Vendor payments and bill management.
  • Channel coordination.
  • Ensuring channel training on policy, products and documentation to achieve desired quality.
  • Interdepartmental coordination with the Credit, Sales and Operations department on a daily basis to ascertain smooth flow of business operations.
  • Co-ordination with Central Admin (HO) for the smooth functioning of branch.
  • Providing guidelines to the team.

Customer Support Representative

Bajaj Allianz Life Insurance Co. Ltd
Dehradun
02.2009 - 03.2010
  • Before Centralization Policy issuance and Underwriting, after Centralization Branch level Scrutiny of proposal forms.
  • Follow up with HO & HUB for Medical Cases & Further requirements.
  • Scrutiny of Agency application forms and Agency code allotments.
  • Agency Licensing, Training and coordination with Insurance Institute of India.
  • Policy Servicing, Free Look, Withdrawals & Surrender.
  • Issuance of receipts, Banking of Collection, CDA intimation.
  • Customer Complaints Redressed.
  • Renewal Chasing and Dispatch of Premium intimation.
  • Claim processing.
  • Joining and Exit reports of the Employee's.
  • Organized Branch level Competition.

CPA Executive - Personal Loan

ICICI Bank LTD
Dehradun
07.2007 - 12.2008
  • Managing the disbursement process for all Consumer loans handled by the Branch, which includes PL Loan disbursement with full efficiency in high and low pressure & with ensuring TAT Improvement.
  • Pre-Approval Activities: Login, Processing, Scrutinizing Documents and Appraising Proposals with risk analysis.
  • Post Approval Activities: Non-Discrepancy checking of Finance related documents, Preparing Disbursal Memo, Disbursement & releasing Delivery Orders.
  • Preparing MIS Reports & other statements with a view to apprise management of the process credit and assist in critical Decision-making process.
  • Scrutinize the documents for Disbursement as per Company policy.
  • Coordinating end-to-end disbursement process for the Branch.
  • Ensuring that the sanctioned loan for the Branch is disbursed within Turnaround time.

Education

Bachelor of Commerce -

Hemwati Nandan Bahuguna Garhwal University
Nagar
01.2007

Skills

  • Hard Working
  • Positive Attitude
  • Quick Learner
  • Team Management

Summary - Career Objective

Intend to build a career with leading organization with committed and dedicated people, which will help me to explore myself fully. Willing to work as a key player in challenging and creative environment.

Timeline

Area Credit Manager- Chief Manager

Aavas Financiers Ltd
07.2024 - Current

Area Credit Manager

Bajaj Housing Finance LTD
04.2022 - 07.2024

Territory Credit Manager

FULLERTON INDIA CREDIT COMPANY LTD
07.2021 - 04.2022

Cluster Credit Manager, Grade Sr. Manager

Wonder Home Finance
05.2020 - 09.2020

Credit Manager, Grade Manager

Fullerton India Credit Co. Ltd
06.2018 - 04.2020

Credit Manager, Grade - Asst. Manager

Vastu Housing Finance Ltd
11.2017 - 05.2018

Sr. Credit Officer, Grade Sr

Indiabulls Housing Finance Ltd
03.2013 - 05.2017

Operations Officer

Magma Fincorp Ltd
10.2010 - 03.2013

CPA Executive

E-NXT Financial Service, A Tata Sons
03.2010 - 10.2010

Customer Support Representative

Bajaj Allianz Life Insurance Co. Ltd
02.2009 - 03.2010

CPA Executive - Personal Loan

ICICI Bank LTD
07.2007 - 12.2008

Bachelor of Commerce -

Hemwati Nandan Bahuguna Garhwal University

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Manu Singhal