PARVESH KUMAR
Dehradun
Summary
Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Overview
9
9
years of professional experience
Work History
Credit Manager
Zeil Financial Technology Pvt Ltd
Grogram
01.2022 - 12.2025
- Credit Underwriting of Micro Business loan and Credit Risk Analysis
- Credit Risk Management and Financials Ratio modelling and of Micro Business loan with generate and prepare the Manual CAM for Risk confirmation
- Coordination from the Branch Head/ Cluster Head for the during the loan appraisal
- Tele PD from the borrow during the loan appraisal
- Decide the case based on assessment, credit underwriting, Tele PD, and branch head PD.
- Review the LAF(Loan Application Form) Personal Information and Business verification etc
- Review the Business visit photos & House visit photo along with Branch Head
- Review the Fixed Obligations through the CIBIL, CRIF, Equifax and Experian
- Sanction Authority of 2.50L for the Unsecured Loan
Credit Officer
Indifi Technology Pvt Ltd
08.2021 - 08.2022
- Dealing in Unsecured Business Loans
- Checking and appraising proposals, scrutinizing documents including SOA analysis, CibiI analysis, ensuring proper Kyc etc, before assigning any application to Lender with proper TAT and Quality
- Detail checking of banking- Fund receiving and remittances, EOD Balances, PenaI analysis and Understanding of Business Model
- Handling pre- sanction diligence, credit grading , review of existing Limits, disbursement and post sanction monitoring of accounts
- Assessing Financial risk in credit proposal as well as conceptualizing and structuring deals for credit advances
Credit Officer
CAPRI GLOBAL HOUSING FINANCE LTD
03.2019 - 06.2020
- Dealing Mortgage and Home loan products and services
- Handled Backend operations Verification and Scrutiny of files, Data Maintenance and Disbursement support
- Calculation of FOIR, Income Eligibility and LTV, LOR and Accounting Ratios
- Client Counselling and support and Coordination with other Teams
- Invoice processing and work with Third Party to generate reports for decision making
- Handle and solve the complaints and Queries of Clients on Daily Basis via phone or face to face meeting
Associate
STATE STREET SYNTEL SERVICES PVT LTD
12.2016 - 03.2019
- Review and approve the work of Team Members
- Posting the Funds with accurate amount
- International Transfer of the Fund as per Client Request to End Clients via SWIFT and data entry of it in Excel
- Domestic Transfer of the fund as per client request to end client via Check and wire
- Reconcile the data with client and maintaining the TAT
Education
MBA - Finance
AISSMS-IOM
01.2015
BBA - Human Resource Management
Poona College of Arts, Science and Commerce
01.2013
HSC -
KV Army Area
Pune01.2009
SSC -
KV Army Area
Pune01.2007
Skills
- KYC Verification
- Credit risk analysis
- Loan appraisal
- Credit underwriting
- Customer engagement
- Data collection and analysis
- Loan reviews
PERSONAL INFORMATION
- Date of Birth: 10/25/91
- Marital Status: Single
- Language Known : Hindi, English
SELF DECLARATION
I hereby declare that the above-mentioned information is correct up to my knowledge and I bear the responsibility for the correctness of the above-mentioned particulars.
Timeline
Credit Manager
Zeil Financial Technology Pvt Ltd
01.2022 - 12.2025
Credit Officer
Indifi Technology Pvt Ltd
08.2021 - 08.2022
Credit Officer
CAPRI GLOBAL HOUSING FINANCE LTD
03.2019 - 06.2020
Associate
STATE STREET SYNTEL SERVICES PVT LTD
12.2016 - 03.2019
MBA - Finance
AISSMS-IOM
BBA - Human Resource Management
Poona College of Arts, Science and Commerce
HSC -
KV Army Area
SSC -
KV Army Area
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