PANKAJ KUMAR SAINI
Kurukshetra
Summary
Dedicated and results-driven Credit Manager with over 11 years of progressive experience in credit appraisal, risk assessment, portfolio management, and commercial vehicle loan processing at Equitas Small Finance Bank Ltd. Skilled in underwriting, delinquency control, and team leadership with a strong track record of maintaining asset quality and driving business growth across multiple branches. Adept at analyzing credit risk, ensuring compliance, and fostering strong client relationships.
Accomplished Credit Manager with proven expertise in portfolio management, credit case handling, and time management. Demonstrated ability to assess credit risk and ensure informed lending decisions.
Overview
12
12
years of professional experience
Work History
CREDIT MANAGER
Equitas Small Finance Bank
Karnal
05.2014 - Current
- Underwrite credit appraisals and disburse commercial vehicle loan proposals
- Monitor and track portfolio performance, escalating adverse events as needed
- Analyze high-value cases and process for approvals
- Resolve delinquency cases (NS & ED) and collaborate with Sales and Collections teams
- Manage delinquency/PDD levels across branches, taking corrective action as needed
- Assess credit risk and client viability, ensuring informed lending decisions
- Train and coordinate with team members for efficient process management
- Research and evaluate client creditworthiness
- Approve or reject loan requests based on creditability and potential revenues/losses.
- Negotiate loan terms with clients
- Monitor loan utilization, repayment capacity, and compliance
- Follow up with clients for debt settlements and loan renewals
- Review and update company credit policies
Education
BA -
Kurukshetra University
MBA -
Kurukshetra University
Skills
- Portfolio Management
- Credit Case Handling
- Time Management
- Microsoft Word
- Microsoft Excel
- Microsoft PowerPoint
Languages
- English
- Hindi
Personal Information
- Date of Birth: 02/26/87
- Gender: Male
- Nationality: Indian
- Marital Status: Married
- Religion: Hindu
Languages
English
Advanced
C1
Hindi
Proficient
C2
Punjabi
Intermediate
B1
Declaration
I hereby declared that all the entries mentioned above are correct and I agree to deposit therequired documents in support of them whenever required.
Timeline
CREDIT MANAGER
Equitas Small Finance Bank
05.2014 - Current
BA -
Kurukshetra University
MBA -
Kurukshetra University