Hi, I’m
Mukesh Vishwakarma
Credit Manager
Mumbai
Summary
Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services also Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 9 years of financial industry expertise.
Overview
11
years of professional experience
Work History
Adwell Design & Advertising Pvt Ltd
03.2019 - 05.2023
Job overview
- Adwell Design is a New Start-up to offer consultancy in BTL Marketing and shoppers marketing solutions to Retails FMGC Companies for their Brands
- Managing day to day operations and Co-coordinating between India and Dubai Office and Clients
- Preparing of Presentation & Present to client
- Taking care of Productivity of firm
- Project Management
- Managing Teamwork.
Sharekhan BNP Paribus Financial ServicesMumbai
Credit Manager
07.2018 - 03.2019
Job overview
- Operation Underwriting for Unsecured Loans (PL&BL)
- Responsible for Test scenario, detailed Test cases preparation while working with Business teams
- Reviewed and analyzed loan procedures.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Contribute towards project planning in terms of estimation and able to give suggestions to the UAT Lead/Test manager
- Responsible for reporting the project status progress to the Leads/customer during test planning as well as execution in form of Daily status and Weekly status
- Responsible for the testing of various systems ( Indus LOS / Perfios / Cibil Check/ PAN Check through NSDL / Credit Vidya Verification Check)
- Advice for changes in the product and policy norms basis current market scenario
- Vendor management Research and do coordination with vender team.
Cashe, Bhanix Finance & Investment LimitedMumbai
Credit Manager
12.2017 - 06.2018
Job overview
- Operation Underwriting PL & Credit Card Unsecured Department
- Key Result Areas:
- Reviewing the complete file and ensuring various documents in the file are valid
- Verifying all KYC documents of applicant salary slip / credit report / bank statement / residence address proof
- Calculating applicant income & liabilities to ensure the limit is applicable to the applicant as per his requirement
- Used Perfios / Credit Vidya / LOS to perform credit appraisals, document verification and loan approvals.
- Monitoring error rate & write-off analysis and segmenting customer profiles into high-risk profiles
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
IndusInd Bank LtdMumbai
Manager
05.2016 - 08.2017
Job overview
- Key Result Areas:
- Underwriting all application assigned to me within time limit
- Credit card & personal loan underwriting
- Reviewing the complete file and ensuring various documents in the file are valid
- Verifying all KYC documents of applicant salary slip / credit report / bank statement / ITR Form / residence address proof
- Calculating applicant income & liabilities to ensure the limit is applicable to the applicant as per his requirement
- Managing various lending operations including appraising proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning personal loans, business loans and mortgages.
- Monitoring error rate & write-off analysis and segmenting customer profiles into high-risk profiles
- Undertaking non-starter updates to credit and identification of risks and monitoring of risks arising by funding of certain profiles.
Sutherland Global ServicesMumbai
Quality Analyst Specialist
01.2015 - 04.2016
Job overview
- Developed and maintained quality assurance procedure documentation.
- Collaborated with management to provide training on improved processes and assisted with creation and maintenance of quality training.
- Provided regular updates to team leadership on quality metrics by communicating consistency problems or production deficiencies.
TCS E-Serve Limited
Quality Analyst Underwriting
01.2013 - 01.2015
Job overview
- Provided regular updates to team leadership on quality metrics by communicating consistency problems or production deficiencies.
- Edited, proofed and critiqued internal documents to improve clarity.
- Participated in departmental meetings to establish short- and long-term strategy.
- Defined and implemented quality initiatives to reduce risk.
- Developed and maintained quality assurance procedure documentation.
Axis Bank LimitedMumbai
Executive Accountant
01.2012 - 07.2012
Education
Shankar Narayan College, Mumbai University
Bachelor of Accounting and Finance (BAF)
Shankar Narayan College
12th
Rahul Vidya Niketan School, Maharashtra Board
10th
Skills
Financial Analysisundefined
Timeline
Adwell Design & Advertising Pvt Ltd
03.2019 - 05.2023
Credit Manager
Sharekhan BNP Paribus Financial Services
07.2018 - 03.2019
Credit Manager
Cashe, Bhanix Finance & Investment Limited
12.2017 - 06.2018
Manager
IndusInd Bank Ltd
05.2016 - 08.2017
Quality Analyst Specialist
Sutherland Global Services
01.2015 - 04.2016
Quality Analyst Underwriting
TCS E-Serve Limited
01.2013 - 01.2015
Executive Accountant
Axis Bank Limited
01.2012 - 07.2012
Shankar Narayan College, Mumbai University
Bachelor of Accounting and Finance (BAF)
04.2011
Shankar Narayan College
12th
04.2008
Rahul Vidya Niketan School, Maharashtra Board
10th
04.2006
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