MILAN PRAJAPATI
Ahmedabad,Gujarat
Summary
Area Credit Manager experienced in underwriting and credit risk management within Education loans, Institutional Loans, and MSME portfolios, authorized to sanction loans up to INR 60 lakh. Strengthened KYC and documentation compliance while coordinating legal and vendor reports to ensure timely disbursement. Developed and motivated field sales teams, fostering strong business relationships with corporate and institutional clients to enhance customer satisfaction.
Overview
3
3
Languages
14
14
years of professional experience
Work History
Area Credit Manager - Educational Institution Loan
Auxilo Finserve Pvt Ltd
Ahmedabad
07.2026 - Current
- Led credit appraisal for educational institution loan cases across assigned branch locations.
- Reviewed school profiles, admission documents, and repayment capacity to inform lending decisions.
- Evaluated collateral, guarantor details, and sanction terms for loan approvals.
- Guided credit officers on policy checks and documentation standards.
- Established relationships with external vendors, enhancing collaboration for debt recovery.
- Coordinated with sales teams, branch staff, and channel partners to resolve credit queries effectively.
Area Credit Manager - Education Loan
Auxilo Finserve Pvt Ltd
Ahmedabad
08.2025 - 07.2026
- Underwrite and sanction education loans (domestic & international) in line with RBI and internal policies, exercising delegated authority up to INR 60 lakh.
- Led credit underwriting and decision-making for education loan portfolios, managing processes from application assessment to disbursement.
- Drove KYC, credit, and documentation compliance while coordinating legal, technical, and vendor reports to facilitate timely file closures and disbursements.
- Prepared credit notes, reports, and case summaries for senior management review, ensuring clarity and thoroughness.
Area Credit Manager
HDFC Credila Financial Services
Ahmedabad
04.2022 - 08.2025
- Sanctioning authority of up to 50 lacs case of India & USA & Abroad case - Education loan ( Secured & Unsecured Case ) Underwriting of files & Recommended case as per policy Checking Educational Part of Student academic & University & College course part Handling all types of credit activity of as per company policy Personal discussion with customer ( at business place & TVR ) FAT Analysis ( Financial analysis, Profit & loss, Balance sheet ) To check KYC as per policy of RBI Guide Line, FCU Process Activity, checking financial audit reports, checking banking, pan print, CIBIL Analysis & Corporate CIBIL, loan details, MCA report (Ministry Corporate of Affairs) To check legal document for initiation of legal report
- Conducted credit report analysis
- Completed credit review analysis
Credit Manager
HDFC Credila Financial Services Ltd
Ahmedabad
02.2018 - 03.2022
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility. Underwriting of files & Recommended case as per policy Developed and implemented standard operating procedures for credit personnel, enhancing consistency in unit operations. Personal discussion with customer ( at business place & TVR ) Conducted financial analysis including profit and loss statements and balance sheets. ( Financial analysis, Profit & loss , Balance sheet ) To check KYC as per policy of RBI Guideline, FCU Process Activity, checking financial audit reports, check out banking, pan print, CIBIL Analysis & Corporate CIBIL, loan detail, MCA report (Ministry Corporate of Affairs) To check legal documents for initiation of legal report To initiate legal & technical reports to vendors
- Follow up all kinds of reports from vendor ( Legal, Technical, FI, Billing Detail. ) Verified original documents in accordance with legal requirements. as per legal report Conducted biannual visits to vendors to ensure compliance and relationship management.s in every 6 months Make sure about smooth processing of the file right from the login to sanctioning stage, also coordinating till final disbursement Disbursement file checking
- Managed credit appraisal for education loan applications at HDFC Credila Financial Services
- Evaluated borrower profiles, income proofs, and co-applicant documents for lending decisions
- Reviewed sanction terms, risk parameters, and policy compliance for credit approvals
Credit Manager
United Petro Finance Ltd (KAPITAL TECH)
Ahmedabad
09.2017 - 02.2018
- Analyzed applicants' financial status and credit determine loan feasibility - Business Loan, Personal Loan...(MSME Product ) Underwriting of files & Recommended case as per policy Compiled data critical to the analysis of annual bad debt. Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents. Investigated and evaluated customers' creditworthiness and potential risk factors to inform lending decisions. Obtained and interpreted financial statements to assist in credit limit reviews. Attended ongoing professional training to facilitate accurate and productive credit management.
- Evaluated education loan applications using HDFC Credila credit policies.
- Assessed applicant profiles, income proofs, and repayment capacity for sanctions.
- Reviewed bureau reports and KYC documents for credit decisions.
Credit Officer
HDB Financial Services Ltd
Ahmedabad
05.2015 - 04.2016
- Conducted semi-annual account credit limit reviews and processed credit increase requests from financial service and sales teams to ensure alignment with risk management practices. Business Loan, Personal Loan, LAP (Loan against Property) Organized and finalized loan applications for underwriter review, verifying appraisals, title information, and insurance documents to facilitate timely loan approvals.
- Verified application and account details to accurately assess credit and financial risks of potential clients.
- Evaluated retail loan applications using HDB Financial Services credit policy
- Verified KYC documents and borrower details for loan processing
- Assessed income proofs, bureau reports, and repayment capacity
Credit Process Analyst
Tata Business Services Support Ltd (Tata Capital Financial Services Ltd)
Ahmedabad
04.2014 - 04.2015
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews for loan against property FAT analysis (financial analysis, profit & loss, balance sheet) To check KYC as per policy of RBI Guideline, FCU Process Activity, checking financial audit reports, check out banking, pan print, CIBIL analysis & Corporate CIBIL, loan detail, MCA report (Ministry Corporate of Affairs) To check legal document for initiation of legal report To initiate legal & technical reports to vendors, follow up all kind of report from vendor ( Legal, Technical, FI, Billing Detail ) Original documents verify as per legal report Disbursement file checking
- Reviewed credit applications for Tata Capital Financial Services Ltd lending workflows.
- Verified KYC documents and customer records within business services support processes.
- Coordinated with sales, operations, and credit teams on case clarifications.
Credit Processing Associate
Ivangle Sales & Services Pvt Ltd (Kotak Mahindra Bank Ltd)
Ahmedabad
03.2013 - 04.2014
- Checked figures, postings, and documents for accuracy and compliance in business loan and loan against property processing.... Calculated, prepared and FAT Analysis ( Financial analysis, Profit & loss, Balance sheet )To check KYC as per policy of RBI Guideline, FCU Process Activity, checking financial audit reports, check out banking, pan print, CIBIL Analysis & Corporate CIBIL, loan detail, MCA report (Ministry Corporate of Affairs) To check legal document for initiation of legal report according to established procedures. Improved understanding of financial statements, which helped in assessing risk. Analyzed creditworthiness of loan applicants and determined credit risk of loan requests. Created credit policies, processes and procedures to maintain compliance with
- Banking regulations.
- Processed credit applications for Kotak Mahindra Bank loan files.
- Verified applicant documents against bank credit policies.
- Coordinated with sales teams for file completion.
Education
Post Graduate Diploma - Business Management-Level 7: Business Management
Edexcel UK
LondondBBA - Finaicial Managemnet
Gujarat University
AhmedabadHSC - Accounting
M B Patel High School
AhmedabadSkills
- Underwriting case
- Credit Approval
- Case recommendations
- Underwriter
- Financial analysis
- Industry Analysis
- Portfolio Management
- Microsoft Excel suite
- MS Office
- Team Leadership
LANGUAGES
Title: SR.CREDIT MANAGER
Personal Information
Area Credit Manager
Languages
English
Beginner
A1
Hindi
Beginner
A1
Gujarati
Beginner
A1
Timeline
Area Credit Manager - Educational Institution Loan
Auxilo Finserve Pvt Ltd
07.2026 - Current
Area Credit Manager - Education Loan
Auxilo Finserve Pvt Ltd
08.2025 - 07.2026
Area Credit Manager
HDFC Credila Financial Services
04.2022 - 08.2025
Credit Manager
HDFC Credila Financial Services Ltd
02.2018 - 03.2022
Credit Manager
United Petro Finance Ltd (KAPITAL TECH)
09.2017 - 02.2018
Credit Officer
HDB Financial Services Ltd
05.2015 - 04.2016
Credit Process Analyst
Tata Business Services Support Ltd (Tata Capital Financial Services Ltd)
04.2014 - 04.2015
Credit Processing Associate
Ivangle Sales & Services Pvt Ltd (Kotak Mahindra Bank Ltd)
03.2013 - 04.2014
Post Graduate Diploma - Business Management-Level 7: Business Management
Edexcel UK
BBA - Finaicial Managemnet
Gujarat University
HSC - Accounting
M B Patel High School