RAHUL MAHAULE
Gondia,MH
Summary
Experienced Credit Manager with 18+ months in gold loan underwriting, portfolio management, and risk assessment. Proficient in preparing CAMs, ensuring compliance with RBI guidelines, and streamlining processes to improve TAT. Skilled in financial analysis, MIS reporting, and stakeholder collaboration, with an MBA in Finance and expertise in advanced financial tools.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Credit Manager
HDFC Bank Ltd.
06.2023 - Current
- Prepare CAM for Loan Against Gold Jewellery for high exposure cases
- Assessment of borrower's profile, repayment capacity and income stability
- Understand and Interpret results of financial analysis, banking analysis and bureau reports
- Analysis of all customer related information in line with credit and risk policy to check eligibility
- Implemented and adhered to gold loan credit policies laid out by the central team and ensured compliance with RBI guidelines
- Visiting business premises and residence of the customer at the time of PD
- Understanding of actual business income and expenses of customer
- Ability to understand customer business and requirement from their perspective
- Understanding credit worthiness of the customer along with the intention to repay the loan by analysis of all documents, observation and finding of PD
- Study, analysis and interpretation of other internal check report
- Underwriting and sanction of loan against gold jewellery files source by sales team
- Recommendation of case to supervisor for seeking necessary decision based on deviation approval matrix
- Co-ordinate and communicate with different departments
- Maintaining TAT as per guidelines and taking case to decision point
- Minimal rework and errors as a part of underwriting quality
- Prepared and presented informative MIS to senior management, ensuring timely an accurate reporting
- Revised and streamlined underwriting processes to match industry benchmarks and reduce TAT
FINANCE INTERN
PHILLIP CAPITAL INDIA PVT LTD
10.2022 - 12.2022
- Tracking derivatives and trade calls on a daily basis and reporting to the manager
- Interacting with clients and explaining various financial products offered by Philip Capital India Pvt Ltd
- Assisting Manager in various tasks such as fetching the latest result of companies, and setting up sub- broker meets
Faculty and BDE
Promonomics Services Pvt. Ltd.
01.2017 - 03.2020
- Faculty and consultant for Banking and Management level competitive exams
- Part of a promotion and branding team to create a visibility of the institute among the students from various locations and institutes
- Handled students' queries via e-mails, telephone and text
Education
MBA - Finance
PUMBA
01.2023
B.E. - Mechanical Engineering
MIET
01.2015
Secondary School Exam -
GNHS
01.2012
Higher Secondary School Exam -
S. M. Patel Junior College
01.2009
Skills
- Credit analysis
- Research and due diligence
- Policy development
- Critical thinking
- Risk assessment
- Financial analysis and reporting
Certification
- NISM-Series-XV: Research Analyst
- NISM-Series-VIII: Equity and Derivatives
- Financial Modelling and Valuation - Udemy
- Data Visualization using Power BI-Great Learning
- Advance Microsoft Excel - From Beginner to Advanced, Macquarie University
Languages
English
Hindi
Marathi
Softwarestools
- Microsoft Office-Advance
- Power BI-Intermediate
- Python-Basics
- Canva -Intermediate
Position Held
- Placement Coordinator
- Connecting with potential recruiters for placement & maintaining a great rapport with regular recruiters
- Connecting with corporate professionals at top level management for webinars (Master Class)
- Coordinator for 'Upbeat', Training for the students of PUMBA focused on enabling them to be corporate-ready conducted by external and internal professional trainers.
- Received letter of Recommendation based on performance
Timeline
Credit Manager
HDFC Bank Ltd.
06.2023 - Current
FINANCE INTERN
PHILLIP CAPITAL INDIA PVT LTD
10.2022 - 12.2022
Faculty and BDE
Promonomics Services Pvt. Ltd.
01.2017 - 03.2020
B.E. - Mechanical Engineering
MIET
Secondary School Exam -
GNHS
Higher Secondary School Exam -
S. M. Patel Junior College
MBA - Finance
PUMBA
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