MOHD SAIF ALI
Jaipur
Summary
Dynamic and result-oriented professional with over 8 years of progressive experience in financial services, loan processing, credit appraisal, and operational coordination. Proven expertise in managing auto/used car loan documentation, system processing, stakeholder coordination, and team training. Strong interpersonal skills with a commitment to accuracy, efficiency, and continuous learning.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Credit Manager – Credit Cards
HDFC Bank Ltd.
03.2023 - Current
- Responsible for underwriting of credit card applications and credit decisioning in line with bank policies.
- Managing end-to-end credit card processes including application assessment, risk analysis, and approval.
- Coordinating with Sales, CPV, and Risk teams for faster processing and smooth issuance.
- Actively handling MIS reporting, productivity tracking, and queue size monitoring (L2, L3 sign-off, etc.) across North-2 region.
- Performing detailed data analysis using Excel for daily credit operations and performance review.
- Contributing to process improvement initiatives and quality enhancement across the credit card division.
Credit Officer – HDFC Bank Premises
HDB Financial Services Ltd.
11.2021 - 03.2023
- Appraising new and used loan proposals in LOS/IDEA LOS systems.
- Coordinating with RIC, Sales, CPV, and Valuation teams for proposal processing.
- Managing early mortality cases with DSA and collection teams.
- Delivering monthly training sessions for Sales, CPA, and DSA teams.
- Ensuring compliance with MCP checklist and internal policies.
- Handling process operations across Rajasthan, working with vertical heads.
Credit Executive – HDFC Bank Premises
Pamac Finserve Pvt. Ltd.
01.2019 - 11.2021
- Managed auto loan files, document verification, and proposal processing.
- Supported external vendor coordination for valuation and FI updates.
- Coordinated cross-functional teams to deliver high quality results within tight timelines.
- Established relationships with key partners and vendors to ensure successful project outcomes.
- Organized and facilitated regular meetings with senior management teams.
Operations Support – HDFC Bank Premises
Infinity Advisory Services
12.2017 - 01.2019
- Involved in back-office support for loan processing and compliance coordination.
Trainer (Typing, Photoshop, Excel, Tally)
Nehru Computers
06.2015 - 01.2017
- Conducted practical training sessions for students on various computer applications.
Education
MBA - Finance
Swami Vivekanand Shubharti University
Jaipur 03.2022 - 12/2024
B.Sc. -
Dr. Bhimrao Ambedkar University
Agra12th -
U.P. Education Board
10th -
U.P. Education Board
Skills
- Auto/Used Car Loan Processing
- Credit Card Underwriting
- Managing North-2 Mis / Productivity/ Que Size / Pending Signoff
- Credit Appraisal & Documentation (LOS/IDEA LOS)
- Stakeholder Coordination
- Team Leadership & Training
- Compliance with Bank Policy & Audit Readiness
- Client Relationship & Risk Mitigation
- Proficient in MS Office
- Proficient in Excel
- Proficient in Tally
- Proficient in Photoshop
Certification
- CCC – NIELIT
- Diploma in Computer Applications – Fatehpur Sikri
- Accounting Software (Tally), MS Office, Excel, Photoshop
Languages
- Hindi
- English
- Local Dialects
Hobbies and Interests
- Listening to Music
- Playing Cricket
Personal Information
- Date of Birth: 08/20/96
- Marital Status: Unmarried
Father's Name
Mr. Jakir Ali
Languages
English
First Language
Timeline
Credit Manager – Credit Cards
HDFC Bank Ltd.
03.2023 - Current
MBA - Finance
Swami Vivekanand Shubharti University
03.2022 - 12/2024
Credit Officer – HDFC Bank Premises
HDB Financial Services Ltd.
11.2021 - 03.2023
Credit Executive – HDFC Bank Premises
Pamac Finserve Pvt. Ltd.
01.2019 - 11.2021
Operations Support – HDFC Bank Premises
Infinity Advisory Services
12.2017 - 01.2019
Trainer (Typing, Photoshop, Excel, Tally)
Nehru Computers
06.2015 - 01.2017
B.Sc. -
Dr. Bhimrao Ambedkar University
12th -
U.P. Education Board
10th -
U.P. Education Board