Pranav Rameshbhai Amarseda
Ahmedabad
Summary
Seeking a challenging environment where my knowledge and experience can be shared and enriched. Looking for the opportunity where I can improve my quality and project management skills.
Overview
10
10
years of professional experience
Work History
Branch Credit Head
Protium Finance Limited
11.2022 - Current
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Successfully managed complex credit restructuring cases, working closely with borrowers and internal stakeholders to develop mutually beneficial solutions that minimized losses.
- Improved loan processing efficiency by streamlining credit analysis procedures and implementing standardized evaluation criteria.
- Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.
- Strengthened underwriting standards by conducting regular audits of completed credit reviews and providing constructive feedback to analysts on areas for improvement.
- Championed an organizational culture of continuous improvement by leading initiatives focused on enhancing operational efficiency in the credit approval process.
- Led team of 3 Credit and Operation staff.
- Collaborated closely with sales teams to develop targeted lending strategies that aligned with branch goals and objectives.
- Enhanced branch profitability by optimizing the credit portfolio mix and mitigating potential risks within lending activities.
- Identified opportunities for business expansion through careful analysis of market trends and competitor offerings within the region''s commercial lending landscape.
Branch Credit Manager
HDB Financial Services Limited
08.2016 - 11.2022
- Join in HDB Financial Services Ltd As a Branch Credit Manager, earlier joined as a Credit Relationship Manager since Aug-2016.then promoted to Branch Credit Manager in March-2018 Handling a Personal Loan, Loan Against Property, Enterprise Business Loan, Business Loan also doing a face to face PD with Customers, also having approval authority in Secured Loan and Unsecured loan also having retail asset and credit verifications report, Financials, Credit Appraisal Memo, here handling credit departments of all products also knowledge of Legal and Technical, also doing regular vendors visits.
- Currently Working:- Currently working in Protium Finance Limited As a Branch Credit Head handling Loan Against Property and Business Loan.. and also managing teams in credit and branch staff.
Credit Officer
Mas Rural Housing & Mortgage Finance Ltd
01.2016 - 08.2016
- As a Credit Officer I was Preparing a CAM (Credit Appraisal Memo) also doing a Underwriting and going to PD of Customer and also Updating Daily to Daily MIS Report to HOD.
- Duration– 04th-Jan-2016 to 3rd-Aug-2016
CPA
Kotak Mahindra Bank Ltd
01.2015 - 12.2015
- Credit Department as a CPA (Ahmedabad) Product – LAP, Business Loan, Working Capital Loan, Disbursement of Business loan.
- Duration – 1st Jan 2015 to 31st-Dec-2015
Education
B.E.I.T. -
Ahmedabad Institute of Technology
06.2013
Diploma - IT
Govt. Polytechnic Himmatnagar
05.2010
S.S.C. Board - undefined
Vidhyanage High School
03.2007
Skills
- Team management
- Credit analysis
- Loan underwriting
- Budget planning
- Portfolio management
- Credit scoring
- Credit reports
- Risk assessments
- Client relationship management
- Cash flow management
- Workflow coordination
- Loan origination
- Policy application
- Policy implementation
- Risk analysis
- Underwriting expertise
- Loan decision assessments
- Credit risk management
- Teamwork
- Teamwork and collaboration
- Problem-solving
Timeline
Branch Credit Head
Protium Finance Limited
11.2022 - Current
Branch Credit Manager
HDB Financial Services Limited
08.2016 - 11.2022
Credit Officer
Mas Rural Housing & Mortgage Finance Ltd
01.2016 - 08.2016
CPA
Kotak Mahindra Bank Ltd
01.2015 - 12.2015
Diploma - IT
Govt. Polytechnic Himmatnagar
S.S.C. Board - undefined
Vidhyanage High School
B.E.I.T. -
Ahmedabad Institute of Technology
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