Rahul Choudhary
Haryana,HR
Summary
Experienced professional seeking an environment that promotes personal and professional growth. Skilled in utilizing financial principles and credit analysis techniques, with a passion for financial accuracy and customer service. 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. Strong numerical and decision-making skills, dedicated to driving operational efficiency and ensuring high-quality credit management.
Overview
4
4
years of professional experience
Work History
Branch Credit Manager
Capsafe Fintech PVT LTD
01.2025 - Current
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Managed a high-performing team of credit analysts, providing guidance, training, and support for professional development.
- Led team of 6 staff.
- Enhanced branch profitability by optimizing the credit portfolio mix and mitigating potential risks within lending activities.
- Wrote reports detailing branch activities.
- Reviewed and approved large credit applications, exercising sound judgment in line with company policies and risk appetite.
- Leveraged data analytics tools to better understand customer needs and preferences, refining branch lending strategies accordingly for maximum growth potential.
- Improved loan processing efficiency by streamlining credit analysis procedures and implementing standardized evaluation criteria.
Branch Credit Manager
ZIEL FINTECH TECHNOLOGY PVT LTD
09.2023 - 01.2024
- 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.
- Led team of 25 staff and also Managing Branches in ( Rajasthan , Up, MP , Maharashtra)
Assistant Manager
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.
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.
Education
Bachelor in Commerce - Commerce
DU.SOL
08-2024
Intermediate - Commerce
Govt Co-ed Senior Secondary School
08.2021
High School -
Cosmos Public School
07.2019
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
Branch Credit Manager
Capsafe Fintech PVT LTD
01.2025 - Current
Branch Credit Manager
ZIEL FINTECH TECHNOLOGY PVT LTD
09.2023 - 01.2024
Assistant Manager
Team Ultima
12.2022 - 08.2023
Executive
Pamac Finserve PVT.LTD.
10.2021 - 12.2022
Intermediate - Commerce
Govt Co-ed Senior Secondary School
Bachelor in Commerce - Commerce
DU.SOL
High School -
Cosmos Public School
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