Onkar Gurav
Navi Mumbai
Summary
Experienced Credit Risk and Credit Manager with a track record of evaluating credit worthiness and mitigating risks. Managed unsecured lending portfolios for West, North East regions, ensuring adherence to policy guidelines. Successfully streamlined credit approval processes, maintaining a high approval rate. Reviewed and processed applications within stipulated TAT, scrutinized CIBIL reports, and managed fraud cases. Skilled in customer relationship management, collaborating with sales teams, and improving verification processes. A proactive professional adept at handling escalations and contributing to policy development.
Overview
10
10
years of professional experience
Work History
Credit Risk Manager
Yes Bank
03.2023 - Current
- Engaged with stakeholders for continuous improvement in credit processes.
- Translated Credit needs into technical specifications using JIRA, improving development accuracy and efficiency.
- Collaborated with Credit team and supportive vendors to streamline processes.
- Managed system queries posed by credit managers.
- Conducted thorough testing of Perfios software applications.
- Performed UAT for policy validation utilizing Bre.
- Managed a diverse loan portfolio, resulting in reduced delinquency rates and improved overall credit quality.
- Coordinated and assigned tasks among team members for optimal efficiency.
- Collaborated with the RCU team to mitigate fraud risks.
Credit Manager
Axis bank
02.2022 - 03.2023
- Evaluated and underwrote loans within policy guidelines, providing recommendations.
- Evaluated income, capability, intention, and creditworthiness of applicants.
- Assess credit risk factors and apply mitigation strategies.
- Manage the preparation of credit memos and monitor efficiency in approvals.
- Guaranteed strict compliance with established policy, procedure, and process.
- Led monthly meetings with sales and CPA teams to discuss policies.
Credit Manager
Kotak Mahindra Bank
09.2018 - 02.2022
- Assessed creditworthiness of potential customers according to policy norms.
- Evaluated credit decisions within established TAT.
- Oversaw fraudulent applicant reports daily.
- Liaised with verification team to ensure timely verification.
- Analyzed application denials each day to ensure accurate decision-making.
- Assisted in formulating policy updates and regular assessments.
- Managed nationwide escalation from sales teams, branches and customer service.
Management Trainee
Federal Bank
05.2017 - 07.2017
- Facilitated process to establish salary accounts.
- Collaborated with clients to discuss requirements and objectives.
- Involved in enhancing customer interaction through digital banking.
Office Assistant
Aakash Junior College
06.2015 - 05.2016
- Handled daily operations within computer systems.
- Facilitated fee collection and ensured accurate recordkeeping.
Education
PG Diploma -
Zagdu Singh Chartitable Trust's Thakur Institute of Management Studies & Research
Mumbai01.2018
B.Com -
M L Dahanukar College of Commerce
Mumbai01.2015
12th - English
Maharashtra
01.2012
10th - Marathi
Maharashtra
01.2010
Skills
- Team Management
- Decision Making
- Credit Analysis
- Risk Assessment
Accomplishments
- Won two times best performance Top Gun award in Kotak Mahindra Bank.
- Certification of appreciation received from the seniors for Customer Focus, Influence and Impact Quality Focus, Professional Entrepreneurship and Drive for Result in Yes Bank.
Languages
English
Hindi
Marathi
Hobbies and Interests
- Cycling
- Gym workout
- Playing cricket
Internship
3 Months, Study of role of technology in banking and customer satisfaction., Federal Bank, Management Trainee, Opening salary account, Meeting with clients, Uploading data in bank system., Client relationship management, Participates in e-banking program.
Timeline
Credit Risk Manager
Yes Bank
03.2023 - Current
Credit Manager
Axis bank
02.2022 - 03.2023
Credit Manager
Kotak Mahindra Bank
09.2018 - 02.2022
Management Trainee
Federal Bank
05.2017 - 07.2017
Office Assistant
Aakash Junior College
06.2015 - 05.2016
PG Diploma -
Zagdu Singh Chartitable Trust's Thakur Institute of Management Studies & Research
B.Com -
M L Dahanukar College of Commerce
12th - English
Maharashtra
10th - Marathi
Maharashtra