Watching Movies and Web Series
Nishar A
Senior Credit Manager
Summary
Experienced Credit Manager with expertise in assessing creditworthiness, document reviews, credit risk analysis, credit modeling, and monitoring market status. Highly skilled at optimizing credit policies.
Overview
10
10
years of professional experience
3
3
Languages
Work History
Senior Credit Manager
Dvara Money
03.2022 - Current
- Oversaw reporting, documentation and recordkeeping requirements for Credit department.
- Reviewed and analyzed loan procedures.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Developed and implemented a standard Credit Policy for the Credit Department to initiate the process and ensure consistency.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Optimized credit approval and collection processes, improving operational efficiencies.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Developed and maintained relationships with customers, lenders and other third parties.
- Processed loan applications and monitored progress from start to finish.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Monitored pipelines to track and log status of loans.
Credit Manager
Namaste Credit
11.2018 - 03.2022
- Assist management with career development activities for team members including performance management, informal feedback, training, and resourcing.
- Performing Document Review on the documents like ITR, GST, PAN, CIBIL and Bank Statements.
- Credit Appraisal of Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
- Responsible for checking online web check and Crime check for company.
- Analyses risks and approve or reject loan requests for personal Loan.
- Analyzing CIBIL reports and risk involved in financing the applicant.
- Preparing Financial analysis for corporate case, MSME case and Business loans.
- Verification process on PAN, GST, and Auditor report and managing various reports like MIS and overdue report.
Credit Specialist
Home Credit India Finance
11.2015 - 07.2018
- Perform responsibilities of verifying loan application documents for further processing.
- Responsible for preparing of documents on contracts of loan and payment schedule.
- Prepare Credit Approval Memo to check loan eligibility of applicants.
- Interacted with loan applicants for verification on loans.
- Responsible for issuing Sanction Letter.
- Managing various reports, MIS Reports, and overdue report.
- Handle the tasks of calculating the loan amount and size of monthly payments in arrears.
Customer Relationship Officer
Tata Docomo
07.2014 - 07.2015
- Ultimate responsibility to run showroom in profit all time & achieving 100% Target.
- Running showroom in brand style with updated scheme & plans.
- Responsible showroom in-charge of managing the operational & promotional activities.
- Display showroom products and merchandise in a pleasing and attractive manner.
- Assist showroom management in their administrative tasks.
Education
MBA - Human Resources Management
Bharathiar University
Coimbatore 04.2001 -
Skills
Risk Analysis
Credit Report Analysis
Mentoring and Training
Client Relationship Management
Credit Policy Development
Fraud Understanding
Interests
Playing Cricket
Timeline
Senior Credit Manager
Dvara Money
03.2022 - Current
Credit Manager
Namaste Credit
11.2018 - 03.2022
Credit Specialist
Home Credit India Finance
11.2015 - 07.2018
Customer Relationship Officer
Tata Docomo
07.2014 - 07.2015
MBA - Human Resources Management
Bharathiar University
04.2001 -