Summary
Overview
Work History
Education
Skills
Rewards And Recognition
Personal Information
Timeline
Generic

Pratigya Singh

Manager - Credit
Kothaguda

Summary

Results-driven Manager - Credit with over a decade of experience in credit underwriting, risk assessment, and portfolio management. Proven track record in evaluating creditworthiness, analyzing financial statements, and handling high-value loan proposals for both collateral-backed & non-collateral-backed transactions. Specialized in credit appraisal for MSMEs, Skilled in leading and mentoring credit teams. Experienced with credit risk assessment, financial analysis, and team leadership. Utilizes strategic planning to streamline credit processes and enhance performance. Track record of implementing effective credit policies that drive company growth and maintain compliance.

Overview

15
15
years of professional experience
2010
2010
years of post-secondary education

Work History

Credit Manager

Poonawala Fincorp Ltd
03.2025 - Current
  • Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
  • Improved credit risk management by implementing effective underwriting policies and procedures.
  • Mentored junior team members in credit management best practices to enhance overall department performance.
  • Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
  • Work cross-functionally with sales, management, and other departments to maintain effective operations.
  • Established a culture of continuous improvement within the credit department, driving process enhancements that increased productivity without sacrificing quality or control measures.

Credit Manager

Avanse Financial Services
04.2023 - 03.2025
  • Providing support to the COO’s office in Education Loans
  • Performing credit appraisal and underwriting in Education Loan of both non-collateral and collateral backed proposals for high-ticket digital business transactions
  • Handling vendors and costs while ensuring that turnaround time (TAT) is maintained by these agencies
  • Taking care of the Branch and its activities such as effective management and communication with Legal and Technical Vendor and other Vendors for other vital reports for analysing the case further.
  • Managing PDD (Post-Due Date) control & tracking through accurate MIS for the location.
  • Reviewing and providing training to the FI and PD teams
  • Ensuring smooth transactions by providing training and implementation of policies
  • Manage the credit process while communicating effectively with the clients, Relationship Manager and Business team.
  • Overseeing quality management through audits/ hindsight and ensuring compliance
  • Optimized credit approval and Underwriting processes, improving operational efficiencies by over 40%.

Credit Manager

HDFC BANK LTD
01.2019 - 04.2023
  • Evaluate applicant’s creditworthiness as per bank’s credit norms.
  • Approve or reject loan requests, based on credibility and potential revenues and losses to bank.
  • Maintain records of loan applications.
  • Ensure all lending procedures comply with policy & regulations of bank.
  • Preparing CAM by indicating mitigates and deviations for loan by CIBIL and above formulas
  • Ensure to process the cases as per credit KRA i.e TAT, PAR & Productivity.
  • Responsible for smooth processing of disbursal proposal for jewel loan.
  • Monitoring all KYC stringent norms and adhering to the policies laid by RBI.
  • Strict adherence to compliance norms based on the customer regarding jewel loans.
  • Prime Focus in delivering and servicing the customer within TAT.
  • Responsible for taking AOM approvals and Credit Team approvals for jewel loan customers as per cust id level.
  • Handling of post disbursement activities like documentation and sending the jewel loan documents to CPU.
  • Maintaining of branch copies and all reports for Audit purpose.
  • Handling customer queries regarding product related information.
  • Responsible to process Auction and post Auction activities for NPA customer as per policies laid by RBI.
  • Processing and disbursement of Personal Loan.
  • Processing and disbursement of Consumer Durable Loan.
  • Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
  • Improved credit risk management by implementing effective underwriting policies and procedures.
  • Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
  • Mentored junior team members in credit management best practices to enhance overall department performance.

Accounts Officer

India Infoline Finance Ltd
06.2015 - 05.2018
  • Worked as Gold Appraisal (Accounts officer).
  • Gold purity testing, Loan valuation against gold.
  • Calling for Interest collection, defaulter of interest and EMI, NPA customer.
  • Cross selling of other products i.e SME, Home loan, Business Loan.
  • All operational work from gold testing to loan disbursement and post disbursement approval for.
  • Advising suitable scheme to walking customer according to their need and profile.
  • Input vendor payments and updated accounts to reflect new balances.
  • Supported month-end closing process by preparing comprehensive journal entries and adjusting balances as necessary.
  • Maintained strict confidentiality of sensitive financial information, ensuring the protection of company assets and maintaining a high level of professional integrity.

Senior Associate

ICICI Bank
01.2011 - 10.2011
  • Checking files for login in syst
  • Preparing CAM by indicating mitigates and deviations for loan by CIBIL and above formulas.
  • At last checking documents for disbursement of loan amount after approval of belonging authority according to level of deviations in application.
  • Trained and supported new team members, maintaining culture of collaboration.
  • Collaborated with cross-functional teams to drive successful completion of complex projects within deadlines.
  • Effectively managed multiple competing priorities while maintaining focus on delivering exceptional results for clients and the organization.

Education

P G Diploma In Industry Integrated Business Management - Finance

Bharati Vidyapeeth University
Pune
07.2010

B.Com. - undefined

University of Allahabad
Allahabad, Uttar Pradesh

12th - Commerce

Tulsi Vidya Niketan
Varanasi, UP

10th - undefined

Shri Guru Ram Rai Public School
Dehradun, Uttaranchal

Skills

Credit analysis

Goal setting

Decision-making

Credit risk management

Performance improvements

Credit reports

Risk analysis

Customer engagement

Credit evaluations

Loan decision assessments

Underwriting expertise

Rewards And Recognition

  • ACE PERFORMER in 1st year
  • Special Recognition Award in 6 months after joining
  • Appreciation Letter from Audit Team for error-free Underwriting
  • Emerging Star Award for Underwriting in festival season

Personal Information

  • Date of Birth: 01/03/88
  • Marital Status: Married

Timeline

Credit Manager

Poonawala Fincorp Ltd
03.2025 - Current

Credit Manager

Avanse Financial Services
04.2023 - 03.2025

Credit Manager

HDFC BANK LTD
01.2019 - 04.2023

Accounts Officer

India Infoline Finance Ltd
06.2015 - 05.2018

Senior Associate

ICICI Bank
01.2011 - 10.2011

B.Com. - undefined

University of Allahabad

12th - Commerce

Tulsi Vidya Niketan

10th - undefined

Shri Guru Ram Rai Public School

P G Diploma In Industry Integrated Business Management - Finance

Bharati Vidyapeeth University

Similar Profiles

CREATE PROFILE
Pratigya SinghManager - Credit