NAGNATH GIRAM
Dombivli
Summary
To become successful person in the corporate world by achieving organizational as well as personal goals.
Overview
2025
2025
years of professional experience
Work History
Senior Area Credit Manager
Bajaj Finance limited
- Current
- Primary responsible for analysis of credit proposals for Business loan application for PAN INDIA and decision the cases within company policy framework and is in within TAT with quality portfolio
- Improve and suggestions of credit manager's decisions and also policy framework changes time to time
- Doing Audit of AM and ACM level cases which decision by them and help team to improve decision level
- Connect with Risk team for teams TTD errors and how to improve the quality decision
- Doing FEMI/ SIX MOB / 12 MOB collection followup with customer and sales team and collect the same
- Responsible to Answer RCU/FCU/AUDIT queries
- Preparing Daily/Monthly CREDIT MIS and doing Relook on Credit Reject + Sales Relook
- Highlights observations on the portfolio health of to Higher authority.
Area Credit Manager
Small Business Fin Credit India Private Limited
- 06.2022
- Primary responsible for analysis of credit proposals for Personal loan application for PAN INDIA and decision the cases within company policy framework and is in within TAT with quality portfolio
- Improve and suggestions of credit manager's decisions and also policy framework changes time to time
- Review the Credit Manager's recommended PL cases and sent to approval to respective authority level
- Responsible to Answer RCU/FCU/AUDIT queries
- Monitoring Collection portfolio under PL product with 'Fresh flow/Potential issue accounts/bucket 0 to 89 dpd cases/NPA/PDNA cases'
- Preparing Daily/Monthly CREDIT MIS and doing Relook on Credit Reject + Sales Relook
- Vendor management & Vendor billing for PAN India for Residence & Bank verification/Perfios/Covert/LoanGuard/eNACH Activation & analysis of vendor costing every year
- Highlights observations on the portfolio health of to Higher authority.
Area Credit Manager
Bajaj Housing Finance Limited
10.2017
- Understanding business requirements from different teams and design things accordingly
- Responsible for credit appraisal and under-writing of secured and unsecured for salaried, self-employed and professionals
- This includes Decision-making, Processing, Appraisal and Disbursal of Loans
- Implementation of Credit Policy and continuous evaluation to ensure adherence to the Policy and compliance with the Authority Matrix at branches
- Credit Assessment of Employed and self-employed customers in lieu of their loan application, understanding the business model, assessing the overall credit worthiness of the customer, and decision the case based on overall merits and in line with defined set of principles of organization
- Liaise with company's IT team and getting the company policies configured with internal applications and actively collaborating with the IT team for the modification of application as per requirement
- Actively participated in the migration of Bajaj NBFC to HFC
- Maintaining database for the bounce reasons of the delinquent borrowers by understanding the reason for bounces and providing the same to collection team.
Credit Manager
Bajaj Finance Ltd
08.2014
- Credit Underwriting & appraisal for Personal Loan Products, Consumer Loan Products
- Due Diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan
- Manage credit buying process which monitors turnarounds, approvals, review of samples, Quality checks on process
- Highlighting proper mitigates over deviations to Area, Regional, Zonal and National Credit Head Handling base of Customers through financial analysis
- Credit analysis & analytical review of Retail Loan Applications
- Delivering the credit assessment targets within the required turnaround time (TAT).
Dox Officer
Caliberhr Human Capital Pvt. Ltd (Fullerton India Credit Co Ltd)
- Analyzing the credit worthiness of the customer & preparing Credit Appraisal Memo's for effective decision of the Credit authority
- This includes financial analyzing & banking transactions of high ticket size customers
- Pre Login Documents - Checking of KYC documents, Income documents for salaried, self-employed not professional & self-employed professional
- Scrutinizing bank statements of the applicant and study the applicants existing / recent credit history
- Direct interaction with PAN India Credit Managers and Sales Managers.
Senior Credit Processing Associate
E-NXT Financials Limited (A TATA Enterprise)
- 06.2013
- Check the customer current income status with the provided documents
- To ensure all necessary data incorporated in the CAM
- Updating the Data in Loan Organization System (LOS) for generating the Credit Appraisal Memo
- Rectifying the Deviation for proposal of loan and Deviatable them to the respected Authority
- Preparation of Credit Approval Memo with deviation as per policy.
Junior Processing Officer
ADFC Pvt. Ltd. (Subsidiary Company of HDFC BANK)
10.2006
- Daily analysis for pending payment & pending liquidation, follow up with branches for delays
- Handling branch reconciliation
- Daily analysis for Line reversal and follow up with branches
- Handling MIS report of outstanding for various products
- Monitoring receivable & payable A/C.
Office Assistant
Sykes & Rays Equities (I) Ltd
- Handling Back office work and Demat Section
- Follow up with clients for payments
- Solving the queries of clients.
Office Assistant
L. l. C.
Education
B.Com., 2nd class -
Mumbai University
03.2006
H.S.C., 1st class -
Mumbai Board
02.2003
S.S.C., 1st class -
Mumbai Board
03.2001
Skills
- Research & Analytical skills
- Quick learner
- Hard working
Languages
English
Hindi
Marathi
Mobilenumbers
- 7710032111
- 8976583222
Personal Information
- Date of Birth: 09/11/84
- Marital Status: Married
Otherqualifications
- MS Office
- Tally Accounting Package
Extracurricular Activities
Hobbies and other interests - Reading Listening Music
Timeline
Area Credit Manager
Bajaj Housing Finance Limited
10.2017
Credit Manager
Bajaj Finance Ltd
08.2014
Junior Processing Officer
ADFC Pvt. Ltd. (Subsidiary Company of HDFC BANK)
10.2006
H.S.C., 1st class -
Mumbai Board
S.S.C., 1st class -
Mumbai Board
Senior Area Credit Manager
Bajaj Finance limited
- Current
Area Credit Manager
Small Business Fin Credit India Private Limited
- 06.2022
Dox Officer
Caliberhr Human Capital Pvt. Ltd (Fullerton India Credit Co Ltd)
Senior Credit Processing Associate
E-NXT Financials Limited (A TATA Enterprise)
- 06.2013
Office Assistant
Sykes & Rays Equities (I) Ltd
Office Assistant
L. l. C.
B.Com., 2nd class -
Mumbai University
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