RAHUL PS
Credit Manager
Trivandrum
Summary
Accomplished Credit Manager at Bajaj Finserv, adept in financial analysis and risk mitigation, significantly improved operational efficiencies .Mentored teams, fostering a culture of continuous improvement and credit risk management excellence. Skilled in process implementation and staff management, driving productivity and enhancing creditworthiness assessments.
Overview
6
6
years of professional experience
Work History
Credit Manager
Bajaj Finserv
12.2022 - Current
- Responsible for recognising credit risks for a leading NBFC that offers a wide range of personal and commercial financial products/services to customers.
- Decisions making done in Personal loan for the approval ticket size 3
- Analysed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Reviewed and analyzed loan procedures.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Established a culture of continuous improvement within the credit department, driving process enhancements that increased productivity without sacrificing quality or control measures.
- Developed strategies to expedite payments and customer resolutions.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Optimized credit approval and collection processes, improving operational efficiencies by over Number%.
- Maintained accurate records of all customer interactions, ensuring transparency in reporting and easy access for future reference or legal purposes if necessary.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Reviewed internal processes to align with regulatory requirements in credit-related activities.
Risk Management Analyst
Hdb
09.2019 - 12.2022
- Investigated allegations to check validity and recommend actions to minimize risk.
- Promoted enterprise-level risk management practices and helped instill strong culture focused on protective policies and procedures.
- Handled claims according to internal risk management policies, keeping liability minimized by leveraging expertise and available tools.
- Maintained current team documentation, validated codes and tracked invoices to keep accounts and records current.
- Encouraged stakeholders to approach assessments analytically and offer unique insights to bring new understanding to risk management programs.
- Taught employees how to control risks at front line.
- Instituted regular safety inspections and hazards management strategies to keep operations compliant.
Education
MBA - Human Resources Development
Annamalai University
Trivandrum03.2021
Bachelor Of Commerce - Taxation
Kerala University
Trivandrum03.2016
Skills
Expertise in
Timeline
Credit Manager
Bajaj Finserv
12.2022 - Current
Risk Management Analyst
Hdb
09.2019 - 12.2022
MBA - Human Resources Development
Annamalai University
Bachelor Of Commerce - Taxation
Kerala University
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