NEHA GHADIGAONKAR
CREDIT MANAGER
MUMBAI,MH
Summary
To obtain a position in finance or banking field that will utilize my educational and professional background. To grow my career with growth of organization. Utilise my full potential in my work with using my skills ,get more experience and knowledge too.
Dedicated Banking professional with a history of meeting organisations goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
15
15
years of professional experience
1
1
Certification
1
1
Language
1
1
JAIIB
1
1
CAIIB
1
1
CREDIT
1
1
CYBER SECURITY AND IT ACT
1
1
CBS IT PRODUCTS
1
1
E PRAGYA GENERAL BANKING
Work History
Manager
Bank Of Maharashtra
NAVI MUMBAI , MAHARASHTRA
05.2025 - Current
- Experienced in:
- Currently working as Manager (Scale II) at Airoli Branch , Navi Mumbai
- Role:Credit Manager
- Handling advances as well as operational work
- Loan Processing
- Loan monitoring
- SMA control
- Loan recovery
- Compliance of all loans and retail sections
- KYC updation , Due diligence , Mule accounts compliance and reporting
- Credit Risk checking
- Sales of deposite as well as advances products
- Sales of other non banking products such as Insurances , Mutual Funds
- Target achiving of Retail and Corporate Business
- Handling ATM , branch management including GAD
- Coordinating with Zonal Office for all work and compliance
- Working as Branch Manager in absence of Branch Manager
- Handling customers complaints and redressal
- Handling all staff , allocation of work among them
- Monitoring staff
Deputy Manager
Bank Of Maharashtra
05.2024 - 05.2025
- Improved team efficiency by streamlining processes and implementing innovative management strategies.
- Identified areas for improvement within the department, implementing strategic initiatives to address gaps in performance or resources.
- Collaborated with cross-functional teams to drive business growth and achieve corporate objectives.
- Increased customer satisfaction levels by developing targeted strategies to address client concerns effectively.
- Created and maintained a strong team culture that promoted high levels of collaboration, employee satisfaction, and overall performance.
- Mentored junior staff members on best practices for project management and team collaboration skills, fostering a supportive work environment.
- Enhanced employee performance by providing regular feedback, coaching, and training opportunities.
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.
- Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
- Established team priorities, maintained schedules and monitored performance.
Deputy Manager
Bank Of Maharashtra
09.2019 - 05.2024
- Developed strong relationships with stakeholders to facilitate smooth communication and project completion.
- Liaised with team members, stakeholders and vendors to coordinate activities, provisioning, environment setup, risk mitigation and follow-up.
- Conducted performance evaluations and provided constructive feedback to employees.
- Defined clear targets and objectives and communicated to other team members.
- Generated repeat business through exceptional customer service.
- Customer Management
- Retail BusinessManagement
- Identified areas for improvement within the department, implementing strategic initiatives to address gaps in performance or resources.
- Increased customer satisfaction levels by developing targeted strategies to address client concerns effectively.
- Mentored junior staff members on best practices for project management and team collaboration skills, fostering a supportive work environment.
- Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
- Established team priorities, maintained schedules and monitored performance.
Computer Operator
Bank Of Maharashtra
06.2016 - 09.2019
- Generated reports covering details about data, system operation, and error monitoring.
- Maintained a high level of accuracy in data entry tasks, resulting in improved overall data quality.
- Consolidate Forex Data and report to RBI
- RBI compliance check
- Manage data of all forex centers
- Timely RBI reporting
Computer Operator
Bank Of Maharashtra
07.2013 - 06.2016
- On Deputation In Service Branch,Mumbai
- Handles Inward Outward clearing during start of CTS clearing system
- Worked in Inward Outward ECS Dept
Telebroking Executive
HDFC Securities
10.2012 - 05.2013
- Worked as Equity market executive
- Marketing and of HDFC Sec products
- Current CTC: 1.32Lacs p.a.
- Total Exp: 7months
Student Clerk
Abhyudaya Co.Op.Bank Ltd
05.2012 - 09.2012
- Worked in clearing of Abhyudaya’s Parel Branch.
- Total Exp: 4months
Summer Intern
Abhyudaya Co.Op.Bank Ltd
05.2011 - 06.2011
- Performed Credit Appraisal for Loan Applications
- Studied and Evaluated Credit Appraisal process of Abhyudaya Co. Op. Bank Ltd.
- Reviewed 25 loan applications for retail (upto 50Lacs), corporate loans (upto 6Crore), and Institutional loans(upto2 Crores) which were in process.
- Provided critical credit analysis based on criteria such as Credit rating given by bank, debt equity ratio, profit trend, sales ,DSCR ratio, current ratio.
- Reviewed applications as per credit policies as per RBI rules and banks internal credit policy.
- Understand roles of different departments such as Information Technology Dept., Credit Appraisal Dept. in overall credit appraisal process.
- Studied the role of legal department in loan recovery.
Education
Post Graduate Program in Management (PGPM) - Finance
United World School of Business
MumbaiMBA - Finance
Panjab Technical University
H.Sc. - undefined
Maharashtra University
B.Sc. - Computer Science
Mumbai University
01.2010
S.S.C. - undefined
Maharashtra Board
01.2005
Skills
Hard Working
Quick Learner
Flexible in nature
Communication
Team Leader
Time Management
Multitasking
Not ready to give up
Decision Maker
Ethical and Honest
Good observer
Analysing people well
Worked well in Marketing and Selling
Ready to learn
Team handling
Operations management
Strategic planning
Decision-making
Performance management
Time management
Staff development
Customer service
Financial management
Business development
Marketing
Customer relationship management (CRM)
Relationship building
Cross-functional teamwork
Documentation and reporting
Verbal and written communication
Goal setting
Performance evaluations
Task delegation
Complex Problem-solving
Sales techniques
Lead generation
MS office,Excel
Teamwork and collaboration
Computer skills
Self motivation
Adaptability and flexibility
Excellent communication
Certification
CAIIB ,JAIIB passed
EXTRACURRICULAR ACTIVITIES:
Participated in Unitedworld School Of Business’s Convocation program’s cultural activity in 2012 Worked as event head of Sudoku Event in G.N.Khalasa’s Spark IT Fest in 2008-09. Participated in Group Discussion, Typing Master in G.N.Khalasa’s Spark IT Fest in 2008-09 Coordinated Slum Soccer event in 2010-11.
ACADEMIC ACHIEVEMENTS:
Middle School Scholarship 1999-Ranked 20th in Maharashtra., Second rank in Computer Science.- Maths – Stats in FYBSc.
Section name
- April 2011 International Business Camp, United World School of Business, Singapore Campus
- Studied Policy & Strategy in International Business
- Project completed: Comparative analysis of workings of Five star hotels in Singapore-Facilities, hospitality
Timeline
Manager
Bank Of Maharashtra
05.2025 - Current
Deputy Manager
Bank Of Maharashtra
05.2024 - 05.2025
Deputy Manager
Bank Of Maharashtra
09.2019 - 05.2024
Computer Operator
Bank Of Maharashtra
06.2016 - 09.2019
Computer Operator
Bank Of Maharashtra
07.2013 - 06.2016
Telebroking Executive
HDFC Securities
10.2012 - 05.2013
Student Clerk
Abhyudaya Co.Op.Bank Ltd
05.2012 - 09.2012
Summer Intern
Abhyudaya Co.Op.Bank Ltd
05.2011 - 06.2011
MBA - Finance
Panjab Technical University
H.Sc. - undefined
Maharashtra University
B.Sc. - Computer Science
Mumbai University
S.S.C. - undefined
Maharashtra Board
Post Graduate Program in Management (PGPM) - Finance
United World School of Business