Summary
Overview
Work History
Education
Skills
Personal Information
Extra Qualifications
Disclaimer
Timeline
Generic
MITUL MEHTA

MITUL MEHTA

Credit Manager with over 10 years of experience
Kandivali (West)

Summary

I am looking forward to work in Finance with a professional, growth oriented organization, where one can make significant contribution to the success of the organization. Seeking a position that involves creativity, challenges and that provides me, an opportunity to constantly strive to explore, innovate & excel in attaining organizational and my individual goals. A consistently dependable team player, I can thrive in a high-pressure environment, enjoy the challenges of meeting deadlines and work in a team.

Offering over 11 years of experience as CREDIT MANAGER / MORTGAGE UNDERWRITER / FINANCIAL DATA ANALYST. Possessing extensive knowledge in handling Car Finance Vertical (across Maharashtra) based on KYC documents, Financials and Banking of customers. Experience in referring negative profiles to RIC team & sharing fraud cases to the Credit team so that they can avoid such cases thereby saving banks money. Experience in preparing reports and managing backend activities smoothly. Possessing motivational management style with a record of being able to deliver positive results independently & under pressure.

Overview

15
15
years of professional experience
2008
2008
years of post-secondary education
4
4
Languages

Work History

CREDIT MANAGER

AXIS BANK LTD
07.2021 - Current
  • Credit Underwriting of Retail and Big Ticket Loans.
  • Analyzing Financial Statement and Financial ratios.
  • Product Development Assistance to Management for Credit Underwriting.
  • Risk Analysis and Management related to Portfolio Delinquencies.
  • Process Monitoring to ensure timely decision making.
  • Market Awareness and Market Research related to Industry Profile.
  • Learned proper time management in work pressure to meet the business requirements.

CREDIT MANAGER

KOTAK MAHINDRA PRIME LTD
09.2018 - 06.2021
  • Decisioning of Car Loans across Maharashtra based on KYC documents, Companies Categorization, Customers Dedupe (Cibil Score), Policy Parameters, Banking, Ability, Willingness to Pay, Net Take Home, Telephonic Verification (TVR) & Contact Point Verification (CPV), Other Obligations and other additional incomes.
  • Analyzing various financial ratios for credit appraisal of individual and companies.
  • Training to sales team (Sales Executives, Tele Callers) regarding necessary documents, promo schemes, mandatory KYC Documents.
  • Referring Negative Profiles to RIC team & sharing fraud cases to the Credit team so that they can avoid such cases thereby saving banks money.
  • DSA visits along with Sales Team for solving concerns & risks, improvement in Quality of Customers, reducing NTS/HRP customers & increase in volumes.
  • Grooming Off Role Staff to learn & know system in detail thereby help in smooth working & develop their skills.
  • Branch Visits for discussions about increasing business, markets, queries etc.

CREDIT MANAGER

HDFC BANK LTD
02.2016 - 09.2018
  • Appraise/recommend/approve proposals as per the delegation of authority.
  • Analysis of Financials & Banking of customers, CAM preparation.
  • Analyzing various reports like - CIBIL, CRILIC, and Probe Reports.
  • Personal discussion with customer to identify purpose, understand customer profile, business stability.
  • Approving or rejecting loan requests, based on credibility and potential revenues and losses.
  • Review delinquent cases and document learning's / portfolio reviews for risk management.
  • Audit Query Resolution, Dealer Visit and handling team of CPA.
  • Maintain records of loan application and Ensure all lending procedures comply with regulations.
  • Managing the entire credit application process right from login to disbursement.

Mortgage Underwriter

Ocwen Financial Solutions Ltd
02.2012 - 12.2015
  • Company Overview: Handled complete U.S government project (HAMP) initiation and modification module.
  • Handled complete U.S government project (HAMP) initiation and modification module.
  • Scrutinized the documents of customer and calculated income of borrower from documents to approve or deny the loan for Government plan (HAMP and HAUP).
  • Handled escalated HAMP mails and ensured necessary action were taken for timely resolution.
  • Initiated floor walking to solve the queries of the U/W and also assisted the new U/W during their training period as SME.
  • Handled responsibilities in the team i.e. Loan Level Report, Leave Tracker etc.
  • Handled complete U.S government project (HAMP) initiation and modification module.

Financial Data Analyst

CMC Ltd.
02.2010 - 01.2012
  • Company Overview: a Tata enterprise subsidiary of TCS
  • Handled complete abstraction and data collection from various financial reports.
  • Updated various municipal bonds on Bloomberg terminal in the given format required for smooth process flow.
  • Prepared customized reports detailing crucial data for the enhancing the production cycle for project.
  • Populated database with information from various sources and ensured that the same was complete and accurate.
  • A Tata enterprise subsidiary of TCS

Education

Bachelors of Commerce -

University of Mumbai

Higher Secondary Certificate (HSC) - undefined

Maharashtra State Board

Secondary School Certificate (SSC) - undefined

Maharashtra State Board

Skills

analytical skills

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Personal Information

Date of Birth: 10/02/86

Extra Qualifications

  • Learned German from the American Institute of Languages
  • Completed successfully MS Office - Basic Computer Course (MS Word, MS Excel, MS Power Point & Internet)

Disclaimer

I hereby declare that the details furnished above are true to the best of my knowledge.

Timeline

CREDIT MANAGER

AXIS BANK LTD
07.2021 - Current

CREDIT MANAGER

KOTAK MAHINDRA PRIME LTD
09.2018 - 06.2021

CREDIT MANAGER

HDFC BANK LTD
02.2016 - 09.2018

Mortgage Underwriter

Ocwen Financial Solutions Ltd
02.2012 - 12.2015

Financial Data Analyst

CMC Ltd.
02.2010 - 01.2012

Higher Secondary Certificate (HSC) - undefined

Maharashtra State Board

Secondary School Certificate (SSC) - undefined

Maharashtra State Board

Bachelors of Commerce -

University of Mumbai
MITUL MEHTACredit Manager with over 10 years of experience