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)