OJAS RAJESH GADHIYA
Ahmedabad,GJ
Summary
Experienced with credit assessment, risk management, and branch operations. Utilizes strategic decision-making and leadership to drive efficient credit processes. Knowledge of customer relations and team collaboration.
Overview
6
6
years of professional experience
4
4
Languages
Work History
Branch Credit Manager
Equitas Small Finance Bank
04.2025 - Current
- Reviewed and approved large credit applications, exercising sound judgment in line with company policies and risk appetite.
- Wrote reports detailing branch activities.
- Designed comprehensive reports detailing portfolio performance metrics and recommendations for senior management review during strategic planning sessions.
- Provided comprehensive training programs for new hires, ensuring a strong understanding of company policies, procedures, and risk management practices.
Branch Credit Manager
IDFC First Bank Ltd
06.2022 - 04.2025
- Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.
- Enhanced branch profitability by optimizing the credit portfolio mix and mitigating potential risks within lending activities.
Branch Credit Officer
SarvaGram Fincare Pvt Ltd
08.2021 - 05.2022
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Developed key relationships with clients, providing exceptional service and fostering long-term partnerships.
Credit Officer
Fullerton India Credit Company Ltd
12.2019 - 08.2021
- Assessed creditworthiness of potential borrowers through comprehensive research and analysis techniques, mitigating default risks.
Education
Master Of Commerce -
KamlaDevi College of Science, Commerce & Arts
06-2019
Bachelor Of Commerce -
R V Pawar College of Commerce & Arts
05-2017
Skills
Analytical problem-solving
Credit risk evaluation
Team leadership
Strategic budget management
Strategic portfolio oversight
Risk evaluation
PERSONAL STRENGTH
- Ability to Independently plan, organize action coordinate and monitor operational/ financial system
- Effective Team worker with excellent initiative, coordination and motivation skills
- An analytical mind with a flair for problem solving with excellent communication skills
- Ability to learn & Ability to think open mindedly.
Timeline
Branch Credit Manager
Equitas Small Finance Bank
04.2025 - Current
Branch Credit Manager
IDFC First Bank Ltd
06.2022 - 04.2025
Branch Credit Officer
SarvaGram Fincare Pvt Ltd
08.2021 - 05.2022
Credit Officer
Fullerton India Credit Company Ltd
12.2019 - 08.2021
Master Of Commerce -
KamlaDevi College of Science, Commerce & Arts
Bachelor Of Commerce -
R V Pawar College of Commerce & Arts