Hi, I’m
Nirdesh Verma
Neem Ka Thana Sikar
Summary
Resourceful Branch Credit Manager known for high productivity and efficient task completion. Specialize in risk assessment, financial analysis, and regulatory compliance to ensure optimal decision-making. Excel in communication, leadership, and problem-solving, applying these soft skills to manage teams effectively and foster strong client relationships.
Skilled credit manager administers credit operations and account management. Top strengths in data analysis, time management and both verbal and written communication. Several years of experience supporting financial needs for organizations within the field.
Meticulous credit management professional. Collaborates with other bank departments to keep operations running smoothly. Experienced at training and mentoring junior employees.
Overview
3
years of professional experience
Work History
Muthoot finance Ltd Taranagar Churu
Branch Credit Manager
03.2024 - 03.2025
Job overview
- Monitored daily cash flow activities including loan payments, deposits, withdrawals and transfers.
- Assisted in preparing monthly financial reports highlighting key performance indicators.
- Developed and implemented credit policies and procedures to ensure compliance with regulatory requirements.
- Maintained up-to-date knowledge of relevant regulations including those pertaining to consumer lending.
- Analyzed financial statements, loan applications and credit reports for potential customers.
- Conducted regular meetings with team members to discuss performance objectives and goals.
- Performed periodic reviews of branch operations to ensure adherence to established procedures.
- Oversaw the review of credit lines to ensure accuracy of information on file.
- Developed training materials and provided instruction on lending policies and procedures.
Axis Bank Ltd Neem Ka Thana
Relationship Manager
01.2022 - 03.2024
Job overview
- Resolved escalated customer issues efficiently and effectively within established timelines.
- Provided ongoing support throughout the sales cycle by responding promptly to inquiries, resolving issues, and following up on requests in a timely manner.
- Managed daily operations including scheduling appointments, coordinating meetings and preparing agendas.
- Conducted regular client meetings to assess progress, discuss opportunities for growth, and address any concerns.
- Identified customer needs, developed customized solutions, and provided knowledgeable advice.
- Analyzed market trends and identified potential new customers through research activities.
- Facilitated financial planning seminars and workshops for clients.
- Monitored client satisfaction through surveys and feedback forms, implementing improvements based on results.
Education
Shekhawati University Sikar
Bachelor of Arts
06-2019
Saraswati Public School Neem Ka Thana
High School Diploma
06-2016
Skills
- Financial analysis
- Credit policy development
- Regulatory compliance
- Cash flow management
- Loan underwriting
- Customer relationship management
- Data analysis
- Team leadership
- Training development
- Performance assessment
- Risk assessment
- Market analysis
- Customer service
- Problem solving
- Debt restructuring
- Portfolio management
- Credit analysis
- Credit scoring
- Investment guidance
- Risk assessments
- Mentoring and training
- Client relationship management
- Proficient with [software]
- Credit risk management
- Risk mitigation
- Loan reviews
- Application processing
- Policy application
Languages
Hindi
First Language
English
Intermediate (B1)
B1
Timeline
Branch Credit Manager
Muthoot finance Ltd
03.2024 - 03.2025
Relationship Manager
Axis Bank Ltd
01.2022 - 03.2024
Shekhawati University
Bachelor of Arts
Saraswati Public School
High School Diploma
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