Rahul Choudhary
Haryana,Faridabad
Summary
Seeking an environment that fosters personal and professional growth, where skills and knowledge can be effectively utilized. Committed to achieving success and making a meaningful impact within the organization. Eager to contribute to a dynamic team and the overall success of the company.
Overview
3
3
years of professional experience
Work History
Executive
Pamac Finserve PVT.LTD.
10.2021 - 12.2022
- Hero Housing Finance Limited (HHFL)
1. Conducted comprehensive site visits to multiple client locations to evaluate work quality and monitor productivity metrics
Managed end-to-end loan processing operations for diverse products including Housing Loans, Loan Against Property (LAP), and Balance Transfer services
2. Streamlined file documentation and loan application processes through systematic logging and tracking procedures
Served as primary liaison between sales teams and operations, facilitating efficient query resolution and improving processing timelines
Collaborated cross-functionally with sales teams to address operational challenges and optimize loan processing workflows. - Enhanced customer satisfaction by streamlining communication channels and improving response times.
- Reviewed employee concerns and new opportunities to drive business strategies.
Credit Associate
Team Ultima
12.2022 - 08.2023
- Credit Associate at Team Ultima, AdityaBirla Capital Pvt. Ltd.
1. File Management: Efficiently logged and organized files for the Emerging Business of CAD products, ensuring easy access and retrieval of critical information.
2. CAM Preparation: Developed comprehensive Credit Associate Management (CAM) documentation for a diverse range of products, tailored to meet specific business needs.
3. Financial Analysis: Enhanced credit decision-making by conducting in-depth analysis of financial statements, identifying trends, and providing actionable insights.
4. Training Development: Designed and delivered training materials and sessions for new hires, focusing on credit policies and best practices to ensure team readiness and compliance.
5. Risk Assessment: Conducted thorough and detailed risk assessments, providing strategic recommendations to mitigate potential financial risks and improve portfolio health.
6. Client Negotiation: Engaged with clients to negotiate repayment terms, successfully improving debt recovery efforts and maintaining the overall health of the credit portfolio.
Ops Executive
Offshoot Agency
09.2023 - 12.2023
- Executed comprehensive policy compliance reviews and case assessments for loan processing
• Managed OTC clearance, file disbursement, and PDD verification processes in coordination with sales team
• Conducted thorough property documentation verification and maintained accurate PDD Management Information Systems
• Implemented systematic updates for repayment clearance through physical file verification and NACH processing
• Reduced response times by 30% through optimization of communication channels, resulting in improved customer satisfaction scores
• Led mentorship program for junior staff, successfully developing 5 team members into leadership roles
• Increased departmental efficiency by 25% through implementation of streamlined cross-functional workflows
Senior Credit Officer
ZIEL FINTECH TECHNOLOGY PVT LTD
01.2024 - Current
- Handle all credit-related tasks within the finance domain, ensuring efficient and accurate processing
- Manage the Management Information System (MIS) for all branches to streamline operations and enhance data accuracy
- Conduct thorough risk assessments to inform loan disbursement decisions, ensuring compliance with company norms
- Verify customer eligibility as per company guidelines, ensuring that all criteria are met before loan approval
- Engage in personal discussions with customers to understand their needs and provide tailored financial solutions
- Evaluate both technical and legal aspects of credit applications to mitigate risks and ensure due diligence
- Maintain comprehensive documentation to support credit decisions, ensuring accuracy and compliance with regulatory requirements
- Optimized credit approval and collection processes, improving operational efficiencies by over 50%.
- Drove process improvements in credit operations through streamlining workflows, automating tasks, and leveraging technology solutions.
- Assisted in managing regulatory compliance efforts by staying abreast of evolving industry standards and implementing necessary policy updates.
Education
High School -
Cosmos Public School
New Delhi 07.2019
Intermediate - Commerce
Govt Co-ed Senior Secondary School
Lajpat Nagar, New Delhi 08.2021
Bachelor in Commerce - Under Graduate
DU.SOL
New Delhi 08.2025
Skills
- Risk mitigation strategies
- Credit monitoring
- Financial statement review
- Credit validations
- Documentation preparation
- Compliance reviews
- Delinquency monitoring
- Customer Service
- Multitasking Abilities
- Critical Thinking
Languages
Hindi
English
Favorite Quote
Wake up to the reality. Nothing ever as planned in this accrued world. The longer you live, the more you realize that the only thing that truly exists in this reality are merely pain, suffering, and futility.
Timeline
Senior Credit Officer
ZIEL FINTECH TECHNOLOGY PVT LTD
01.2024 - Current
Ops Executive
Offshoot Agency
09.2023 - 12.2023
Credit Associate
Team Ultima
12.2022 - 08.2023
Executive
Pamac Finserve PVT.LTD.
10.2021 - 12.2022
High School -
Cosmos Public School
Intermediate - Commerce
Govt Co-ed Senior Secondary School
Bachelor in Commerce - Under Graduate
DU.SOL
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