Neeraj Kumar Nagar
Kota
Summary
Ambitious professional with a strong focus on navigating dynamic business environments. Experienced Credit Manager dedicated to minimizing risk while maximizing opportunities to achieve sales and customer growth objectives.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Credit Manager
IDFC First Bank Ltd
Bundi, Rajasthan
11.2022 - Current
- Assessing customer profiles sourced by business team to ensure policy compliance.
- Scrutiny loan applications, financial reports, and collateral documents for eligibility determination.
- Conduct pre-sanction inspections and field visits to evaluate creditworthiness.
- Underwriting proposals within specified turnaround times, analyzing customer profiles and account statements.
- Review property documents and assessed legal and valuation reports for accuracy.
- Ensure zero audit findings by maintaining quality underwriting and a healthy portfolio.
- Cross-checking post-disbursal documentation, deferrals, and conducted post-sanction due diligence.
- Monitoring portfolio performance, interest servicing, and conducted cross-checks on CPV and PDEV.
Acquisition Manager
AU Small Finance Bank
Kota, Rajasthan
09.2021 - 11.2022
- Managed working capital by overseeing fresh business acquisitions and evaluating existing portfolios.
- Handled legal issues and valuations for both new and existing customers.
- Coordinated disbursement processes to ensure timely funding and resource allocation.
RM
HDFC Bank Ltd.
Sirsa, Haryana
03.2021 - 09.2021
- Working Capital
RM
ICICI Bank Ltd.
Jodhpur, Rajasthan
07.2019 - 10.2020
- Working Capital
Education
Post Graduate Diploma in Banking - BFSI
Manipal Academy of Higher Education
Bangalore01.2019
M. Com -
GCC- University of Kota
01.2017
B. Com -
GCC- University of Kota
01.2015
Intermediate / +2 -
K. V. No. 2 Kota
01.2012
Matriculation -
K. V. No. 2 Kota
01.2010
Skills
- Microsoft Office proficiency
- Team collaboration
- Calm under pressure
- Presentation and communication skills
- Problem-solving abilities
- Dedication and drive
Certification
- Depository Operation Certification - National Institute of Securities Markets
- Mutual Fund Certification - National Institute of Securities Markets
- IRDA Certified - Insurance Regulatory and Development Authority of India
- Basics of Retail Credit from ICICI Manipal Academy, Bangalore
- Certificate of achievement for outstanding performance as a rockstar at IDFC First Bank
Hobbies and Interests
- Playing Basketball
- Listening Music
- Exploring and Travelling
Extracurricular Activities
- Adventure camp at ABVIMAS, McLeod Ganj, Dharamshala, (Govt of Himachal Pradesh)
- Participated in the basketball regional sports meet at the intercollegiate tournament
- First position as a team in the school basketball competition
- Got 3rd position in the 800 metre boys' race U-19 in the school competition
Disclaimer
I do hereby declare that the information stated above is true to the best of my knowledge, and subject to verification.
Timeline
Credit Manager
IDFC First Bank Ltd
11.2022 - Current
Acquisition Manager
AU Small Finance Bank
09.2021 - 11.2022
RM
HDFC Bank Ltd.
03.2021 - 09.2021
RM
ICICI Bank Ltd.
07.2019 - 10.2020
Post Graduate Diploma in Banking - BFSI
Manipal Academy of Higher Education
M. Com -
GCC- University of Kota
B. Com -
GCC- University of Kota
Intermediate / +2 -
K. V. No. 2 Kota
Matriculation -
K. V. No. 2 Kota
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