NEEL SHAH
Deputy Manager
Vadodara,GJ
Overview
8
8
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
Deputy Manager
Kotak Mahindra Bank
Vadodara , Gujarat
02.2026 - Current
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.
Credit ops executive
INDOSTAR CAPITAL FINANCE
Vadodara, GJ
12.2023 - 02.2026
- 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.
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
Deputy Manager
Kotak Mahindra Bank
02.2026 - Current
Credit ops executive
INDOSTAR CAPITAL FINANCE
12.2023 - 02.2026
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
Documentation preparation
Loan recommendations
Expertise in Microsoft office suit
Appraisal review
Advanced Excel spreadsheet functions
Report analysis
Work flow planning
Risk analysis and management
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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