NEEL SHAH
CREDIT OPS EXECUTIVE
Vadodara,GJ
Overview
7
7
years of professional experience
8
8
years of post-secondary education
3
3
Languages
Education
Master of Computer Applications - Computer Application, Technology
G. H. Patel Post Graduate Department of Computer S
Vallabh Vidhyanagar 05.2014 - 05.2017
Bachelor of Computer Applications - Computer And Information Sciences
Anand Commerce College
Anand 05.2011 - 05.2014
High School Diploma -
N.K. HIGH SCHOOL
PETLAD 05.2009 - 05.2011
Work History
Credit ops executive
INDOSTAR CAPITAL FINANCE
Vadodara, GJ
12.2023 - Current
- Leveraged strong analytical skills and financial acumen to make informed recommendations on credit limits and pricing structures for clients.
- Reduced delinquency rates by proactively monitoring portfolio performance and providing timely feedback to senior.
- Conducted regular training sessions for junior team members on credit analysis, ensuring a consistent approach within the team.
- Reviewed and analyzed loan procedures.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Optimized credit approval and collection processes, improving operational efficiencies.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
Credit Officer
AU SMALL FINANCE BANK
Vadodara
12.2021 - Current
- Reviewed financial reports and streamlined operations to increase productivity and company profits.
- Reviewed more than 50-60 financial statements per month.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Used RLOS and CRM to perform credit appraisals, document verification and loan approvals.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Monitored accounts for signs of fraud and non-payment issues.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Referred delinquent accounts to collections department or outside resources.
Back Office Executive
Induskart Engitech LLP
Vadodara
02.2021 - 12.2021
- Managed documents by organizing forms, making photocopies, filing records, preparing correspondence, and creating reports.
- Corrected data entry errors to prevent later issues such as duplication or data degradation.
- Reviewed and updated client correspondence files and database information to maintain accurate records.
- Completed data entry tasks with accuracy and efficiency.
- Compiled data and reviewed information for accuracy prior to input.
- Maintained files, records and chronologies of entry activities.
- Corrected data entry errors to prevent duplication or data degradation.
- Sent completed entries for evaluation and final approval.
- Entered data into various computer systems accurately using Microsoft Office Suite.
- Communicated with supervisors and colleagues to process data quickly and resolve discrepancies.
Junior Associate
KOTAK MAHINDRA BANK
Anand
02.2018 - 02.2021
- Evaluated loan requests and documents to verify accuracy and completeness.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Assessed loan portfolios for compliance with underwriting policies.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Collaborated with loan officers to develop strategies for managing loan application processing.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
Timeline
Credit ops executive
INDOSTAR CAPITAL FINANCE
12.2023 - Current
Credit Officer
AU SMALL FINANCE BANK
12.2021 - Current
Back Office Executive
Induskart Engitech LLP
02.2021 - 12.2021
Junior Associate
KOTAK MAHINDRA BANK
02.2018 - 02.2021
Master of Computer Applications - Computer Application, Technology
G. H. Patel Post Graduate Department of Computer S
05.2014 - 05.2017
Bachelor of Computer Applications - Computer And Information Sciences
Anand Commerce College
05.2011 - 05.2014
High School Diploma -
N.K. HIGH SCHOOL
05.2009 - 05.2011
Skills
Credit validations
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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