Priyam Kumar Patel
Chitrakoot Up
Summary
Summary
- Results-driven Finance, Credit & Banking professional with 3+ years of experience in NBFC and Banking operations. Expertise in Credit Underwriting, Loan Processing, Credit Risk Assessment, Customer Verification (KYC), Financial Analysis, Collections, Cash Handling, and Customer Service. Experienced in handling Personal Loans, Secured & Unsecured Business Loans, Insurance, Fixed Deposits, and Tractor Finance. Strong analytical and decision-making skills with a proven ability to minimize credit risk while maintaining compliance and delivering excellent customer service.
Overview
2
2
Languages
3
3
years of professional experience
Work History
Credit Officer
Bajaj Finance Limited
03.2025 - Current
- Assess loan applications by verifying customer identity, income, financial stability, repayment capacity, and creditworthiness.
- Conduct detailed credit and risk assessments to support loan approval decisions.
- Review KYC and financial documents while ensuring compliance with underwriting policies and regulatory guidelines.
- Analyze bank statements, income proof, bureau reports, and financial behaviour.
- Manage 12 MOB (Months on Book) collection cases and coordinate with customers for timely repayments.
- Maintain accurate underwriting records and ensure quality standards.
- Collaborate with Operations, Sales, and Collections teams for timely loan processing and case closure.
Senior Executive Operations and Services
Bajaj Finance Limited
05.2023 - 03.2025
- Managed day-to-day B2B operations, cash handling, and customer service activities.
- Processed Personal Loans, Secured & Unsecured Business Loans, Insurance, Fixed Deposits (FD), and Tractor Finance.
- Assisted customers with KYC verification, documentation, loan processing, and issue resolution.
- Ensured compliance with company policies and operational procedures.
- Maintained accurate operational records and supported branch business targets.
- Delivered excellent customer service while maintaining operational efficiency.
- Coordinated with Sales, Credit, and Operations teams to ensure smooth business execution.
Education
CCC - A+
National Institute of Electronics & Information Technology
12-2018
Bachelor of Science - 74%
Amar Saheed Kanchan Singh Autonomous PG College Fatehpur UP
05-2018
Intermediate Certificate - 82%
UP Board Prayagraj
05-2015
High School Diploma: 84% -
UP Board Prayagraj
05-2013
Skills
TECHNICAL SKILLS
- Credit Underwriting
- Credit Risk Assessment
- Financial Analysis
- Loan Processing
- Personal Loans
- Business Loans (Secured & Unsecured)
- KYC Verification
- Banking Operations
- Collection Management (12 MOB)
- Cash Handling
- Documentation Verification
- Insurance & Fixed Deposits
- Tractor Finance
- Microsoft Excel
- Microsoft Word
- Power BI
PROFESSIONAL SKILLS
- Analytical Thinking
- Communication Skills
- Customer Relationship Management
- Team Collaboration
- Time Management
- Problem Solving
- Attention to Detail
- Decision Making
Recognition
Awards & Recognition
🏆 Debutant Award – Recognized for outstanding performance and exceptional contribution as a new employee.
🏆 Heroes Award – Awarded for excellent customer service, operational excellence, and significant contribution to business goals.
Timeline
Credit Officer
Bajaj Finance Limited
03.2025 - Current
Senior Executive Operations and Services
Bajaj Finance Limited
05.2023 - 03.2025
CCC - A+
National Institute of Electronics & Information Technology
Bachelor of Science - 74%
Amar Saheed Kanchan Singh Autonomous PG College Fatehpur UP
Intermediate Certificate - 82%
UP Board Prayagraj
High School Diploma: 84% -
UP Board Prayagraj