Summary
Overview
Work History
Education
Skills
Training
Languages
Timeline
Generic

Pratik Tibrewala

Kolkata

Summary

Dynamic Regional Credit Manager with extensive experience at Profectus Capital Pvt Limited, excelling in credit analysis and portfolio management. Proven track record in optimizing risk and maintaining profitability across multiple locations. Adept at team leadership and effective communication, driving exceptional portfolio quality and achieving the lowest turnaround times in credit processing.

Overview

13
13
years of professional experience

Work History

Regional Credit Manager- East

Profectus Capital Pvt Limited
Kolkata
05.2020 - Current
  • Managing all locations in East India, i.e., Kolkata, Raipur, and Guwahati.
  • Managing team of ACMs across locations.
  • Ensure all LAP credit applications are processed based on stipulated guidelines and policy rules and maintain lowest TAT.
  • Responsible for Portfolio quality.
  • Communicated regularly with management regarding portfolio performance and new loan transaction quality.
  • Managed regional credit portfolio to optimize risk and maintain profitability.

Area Credit Manager

Reliance Home Finance Limited
Kolkata
12.2018 - 04.2020
  • Loan Against Property and Home Loan.
  • Managing a team of 10 credit managers across 5 branches in West Bengal, Orissa, and Assam.
  • Responsible for credit underwriting for LAP and home loans.
  • Responsible for end-to-end credit appraisal.
  • Active engagement with panel valuers and panel advocates, and track the completion of all necessary verifications and checks related to the mortgaged security within the required time.
  • Responsible for all infant collections (cases up to 12 MOB) and portfolio quality.
  • Maintaining relationships with all stakeholders to ensure smooth credit processing and disbursement.

Area Credit Manager

Hero FinCorp Limited
Hyderabad
01.2016 - 12.2018
  • Loan Against Property.
  • Credit appraisal and preparing Credit Appraisal Memo after Personal discussion and analysis of financials for all Loan against Property Cases.
  • Active engagement with Panel Valuers & Panel Advocates and track completion of all necessary verifications/checks related to the mortgaged security within required time.
  • Managing quality portfolio of more than 200 Cr.
  • Responsible for collections and portfolio quality.
  • Having experience of starting locations(Hyderabad & Vijaywada) from initiation and setting up team and vendor networks.

Assistant Manager

Karur Vysya Bank
Bangalore
08.2012 - 12.2015
  • Ensure all retail credit applications (home loans, mortgage loans, personal loans, etc.) are processed based on stipulated guidelines and policy rules, and maintain the lowest TAT for all 48 Branches of Karnataka Division.
  • Prepare the loan appraisal report, including credit analysis and summaries of loan requests, and submit it to the Sanctioning Authority for approval.
  • Prepared internal monthly, quarterly, and annual portfolio monitoring reports. Submit periodical reports as required by the Divisional Head.

Education

Masters of Business Administration - Finance

IBS Hyderabad
Hyderabad
01.2012

Bachelors of Business Administration -

JD Birla Institute
Kolkata
01.2010

Skills

  • Credit analysis
  • Risk assessment
  • Portfolio management
  • Team leadership
  • Credit processing
  • Effective communication

Training

  • CRISIL Training, Bangalore, 11/01/17, Loan Against Property Credit Appraisal – Tools and Techniques (Advanced)
  • CRISIL Training, Bangalore, 11/01/16, Loan Against Property Credit Appraisal – Tools and Techniques
  • Leadership Foundation & Excellence Training, Delhi, 01/01/17, Leadership Foundation & Excellence Training
  • JAIIB, Indian Institute of Banking and Finance, 01/01/14, JAIIB

Languages

Hindi
First Language
English
Advanced (C1)
C1
Bengali
Proficient (C2)
C2

Timeline

Regional Credit Manager- East

Profectus Capital Pvt Limited
05.2020 - Current

Area Credit Manager

Reliance Home Finance Limited
12.2018 - 04.2020

Area Credit Manager

Hero FinCorp Limited
01.2016 - 12.2018

Assistant Manager

Karur Vysya Bank
08.2012 - 12.2015

Masters of Business Administration - Finance

IBS Hyderabad

Bachelors of Business Administration -

JD Birla Institute

Similar Profiles

CREATE PROFILE
Pratik Tibrewala