Pankaj Goyal
Credit Manager
Najafgarh
Summary
To secure a challenging position in a reputable organization to expand my learnings, knowledge, and skills company Secure a responsible career opportunity to fully utilize my training and skills, while making a significant contribution to the success of the company.
Overview
4
4
years of professional experience
2
2
Languages
Work History
Credit Manager
KASAR CREDIT AND CAPITAL PVT LTD (SALARY ON TIME)
05.2025 - Current
- Emergency Short Term Personal Loan, (payday loan) Document Verification-scrutinize loan applications and accompanying documents for accuracy.
- Credit Appraisal- Conduct comprehensive credit appraisals to assess applicants’ financial stability and repayment capacity.
- Risk Assessment-Evaluate credit risk associated with each loan application.
- Compliance Management-Ensure adherence to regulatory guidelines and internal policies. Communication-Liaise with applicants, stakeholders and external agencies to gather necessary information.
- CAM Preparation-Prepare Credit Appraisal Memos summarizing credit analysis and recommendations.
- Decision Making- Make informed recommendations regarding loan sanction bases on credit appraisal and risk assessment.
- Documentation-maintain accurate records of loan applications approvals and rejections
Credit Manager
India Infoline Housing Finance Ltd
11.2022 - 05.2025
- Role : Credit Manager
- Handling credit portfolio of Housing loan
- Credit Analysis -
- O To check credit worthiness of salaried.
- O Valuation of proper bank statement and CIBIL / Credit Score.
- O Calculate FOIR/DBR basis income and Obligations.
- O To sanction the case up to INR 25.00 Lacs
- Credit Appraisals
- Handling escalation E-mails and Coordination with sales team.
- Valuation of income documents.
- KYC checkpoints.
- To deliver assessments within TAT(Turn Around Time)
Business Associate
Aargee Staffing Services Pvt Ltd
08.2021 - 10.2022
- Tata Consultancy services (August.2021 To 28 Oct.2022)
- Business Associates .
- O Handling the Subsequent Disbursement process of mortgage loan.
- O Preparing disbursement memo to disburse the loan.
- O Checking and processing of all files and maintaining the defined TAT.
- O Ensuring quality and compliance in payment processing.
- O Prepared MIS data daily basis.
- O Ensuring to provide complete training to new employees location branch
Education
Graduation - B.COM
Delhi University
01.2020
12th - undefined
CBSE Board
01.2017
10th - undefined
CBSE Board
01.2015
Skills
- Responsibility Part of being a good employee is taking responsibility for your duties and even owning up to mistakes Most managers don't want to have to check in on their employees to ensure every part of their job is getting done Responsibility means doing what you need to do to complete your tasks
- Flexiblity
- Thinking Skills
- Problem Solving Skills
- Communication Skills
Interests
Play video games, Travelling, Explore New Places, Listening Music
DECLARATION
All information in this resume is right and truthful to the best of my knowledge and faith Place: Delhi Date: Place
PERSONAL DETAILS
- Father's Name: Mr. Ravinder Goyal
- Date of Birth : 2000-10-08
- Gender: Male
- Marital Status: Unmarried
- Nationality: Indian
Timeline
Credit Manager
KASAR CREDIT AND CAPITAL PVT LTD (SALARY ON TIME)
05.2025 - Current
Credit Manager
India Infoline Housing Finance Ltd
11.2022 - 05.2025
Business Associate
Aargee Staffing Services Pvt Ltd
08.2021 - 10.2022
12th - undefined
CBSE Board
10th - undefined
CBSE Board
Graduation - B.COM
Delhi University