Pankaj Arora
Area Credit Manager
Raipur
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
11
11
years of professional experience
6
6
Certificates
Work History
Area Credit Head
Hinduja Housing Finance
08.2023 - Current
- Skilled at working independently and collaboratively in a team environment. Handling team of underwriter and looking after underwriting done by underwriter/credit manager for entire CG region. Conducting PD & Underwriting of HVT Cases
- Other functions include training, team management and coordinating with other support function
- Sanctioning authority - 20 Lac's - Vertical - HL & LAP
Cluster Credit Manager
Piramal Capital Housing Finance Ltd
06.2022 - 03.2023
- Handling credit underwriting along with team of underwriter for HL & LAP Vertical. Geography covered - CG region.
- Enhanced department efficiency by streamlining processes, reducing errors, and automating routine tasks.
- Other functions includes: Underwriting, assessment, review & recommendation of loan proposal. Cross checking of legal & technical report, Product & policy training to internal team and business associates, Review of ED cases & follow up for collection; attending sales huddle & coordinate for monthly business revenue, Market & competitor review for policy review & amendment.
Cluster Credit Manager
Equitas Small Finance Bank
05.2021 - 06.2022
- Handling Credit by conducting PD for various location/branches of CG Region including Raipur, Bhilai, Durg, Rajnandgaon, Dhamtari, Bilaspur, Janjgir Champa and other nearby area. Oversee the underwriting of the loans in entire CG region
- Reviewed and updated credit policies regularly in response to changing market conditions, industry trends, and emerging risks.
- Manage external agents involved in the verification process, Conducting training on product and policy for entire region, Performing various activities which is part of KRA including ED case visit, tracking on delinquency of existing portfolio, audit and compliances, vendor management, team handling, hiring of credit people, customer relationship and other supervisory activities.
- Sanctioning authority - 35.00 Lac's. Vertical - HL & LAP
Credit Manager
Jana Small Finance Bank
02.2020 - 04.2021
- Conducting Case Visit followed by personal discussion for understanding business dynamics. Preparation of case visit report including financial assessment and appraisal and recommendation of case to higher authorities
- Conducted thorough risk assessments for complex loan applications, ensuring compliance with regulatory requirements and minimizing potential losses. Assessment of loan proposal within time line and as per credit policy of organization.
- Additional responsibilities include Vendor Management for MP & CG Region. Coordinate for customer onboarding process and later on portfolio tracking. Conduct training for credit officer and branch team on products and process.
- Sanctioning authority - 10.00 Lac's. Vertical - SBL, HL & LAP
Branch Credit Manager
Cholamandalam Investment Finance
05.2019 - 02.2020
- Structuring of LAP cases on the basis of fitment, Case visit followed by Credit underwriting & appraisal in LEAP. Case handled for ticket size up to 3 Cr.
- Prepare branch MIS and business tracking on M-O-M basis. DSA Visit, vendor visit & training to branch team.
- Maintained up-to-date knowledge of industry trends and regulatory changes, implementing necessary adjustments to maintain competitive advantage.
- Collaborated closely with sales teams to develop targeted lending strategies that aligned with branch goals and objectives.
Assistant Credit Manager
AU Small Finance Bank
12.2017 - 05.2019
- Personal discussion with client by understanding their loan requirement, nature of business, profile of customer, gathering financial and non-financial data and preparation of credit report. Preparation of CAM on the basis of cash flow analysis and ITR based income
- Good understanding of legal and technical parameters, MIS preparation it's analysis on m-o-m for healthy business. Local Vendor management and branch Management.
- Increased cash flow by diligently pursuing past-due receivables through targeted collection efforts.
- Improved credit approval process by implementing streamlined procedures and utilizing risk analysis tools.
- Sanctioning authority - 15 Lac's. Vertical - MSME
Asst Professor
RITEE
01.2016 - 09.2017
- Established strong partnerships with other institutions via collaborative research projects or exchange programs that benefited both faculty members'' professional development as well as student learning experiences globally.
- Mentoring budding MBA Professionals.
Finance Manager
CA Firm - Deshlehra & Associate & Shubhangi & Associates
05.2013 - 12.2015
- Conducted ad-hoc analyses as requested by senior leadership to support strategic initiatives.
- Maintained strong relationships with banking partners, securing favorable credit terms for the organization.
Education
MBA - Finance
Pt Ravishankar Universituy
Raipur 04.2001 -
Master of Philosophy -M.Phil - Commerce
Durga Mahavidyalaya - Pt Ravishankar University
Raipur 04.2001 -
Master of Commerce - Financial Accounting
Pt Ravishankar University
Raipur 04.2001 -
Bachelor of Commerce - Commerce & Management
Pt Ravishankar University
Raipur 04.2001 -
Skills
Supervision and leadership
undefinedCertification
National Stock Exchange Certification in AMFI, Commodity Market, Security Market & Derivative Market
Accomplishments
- National Stock Exchange Certification in AMFI, Commodity Market, Security Market & Derivative Market
- CFA INVESTMENT FOUNDATION MODULE
- Accounting Fundamental, Form of business structure, fundamental of credit, introduction to
- Corporate finance and Bloomberg essentials from CFI (Corporate Finance Institute)
- Strategic Consulting Virtual Experience from BCG
- PSL Certification from AU Bank
- Obligor Assessment and Collateral Assessment from Jana Small Finance Bank
Timeline
Area Credit Head
Hinduja Housing Finance
08.2023 - Current
Cluster Credit Manager
Piramal Capital Housing Finance Ltd
06.2022 - 03.2023
Cluster Credit Manager
Equitas Small Finance Bank
05.2021 - 06.2022
Credit Manager
Jana Small Finance Bank
02.2020 - 04.2021
Branch Credit Manager
Cholamandalam Investment Finance
05.2019 - 02.2020
Assistant Credit Manager
AU Small Finance Bank
12.2017 - 05.2019
Asst Professor
RITEE
01.2016 - 09.2017
Finance Manager
CA Firm - Deshlehra & Associate & Shubhangi & Associates
05.2013 - 12.2015
MBA - Finance
Pt Ravishankar Universituy
04.2001 -
Master of Philosophy -M.Phil - Commerce
Durga Mahavidyalaya - Pt Ravishankar University
04.2001 -
Master of Commerce - Financial Accounting
Pt Ravishankar University
04.2001 -
Bachelor of Commerce - Commerce & Management
Pt Ravishankar University
04.2001 -
Father's Name
Harish Arora
Personal Information
- Date of Birth: 01/03/81
- Marital Status: Married
Father's Name
Harish Arora
Personal Information
- Date of Birth: 01/03/81
- Marital Status: Married
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