Rahul Singh
Jaipur
Summary
Credit professional with strong capabilities in risk analysis and portfolio management. Known for developing training programs and identifying process gaps to improve efficiency. Ready to leverage expertise to drive compliance and performance in lending operations.
Overview
9
9
years of professional experience
Work History
Senior Manager-Classification QAT
AU SMALL FINANCE BANK
Jaipur
02.2023 - Current
- Managing the portfolio of Business loans and Home loan products for PAN India at the bank level.
- Responsible for the enhancement of MSMEs and the Agri-sector loan, as per RBI and bank-level targets, i.e., 75%.
- Coordination with the Credit, Business, Product, and IT teams for new changes or any requirements from the RBI.
- Development in LOS and CBS related to priority sector lending, as per external audit requirements.
- Training to Credit/Business team related to selection of correct profiling of customer for achieving the Priority Sector Lending targets.
- Formulation of Policy in aspect to PSL perspective & update to concern Product team.
- Identifying the gaps in loan originating system to avoid manual intervention.
- Audit reverts to internal/external from PSL perspective & reporting final achievement in PSL to Bank's Compliance team.
- Managing above mentioned task with team member of 15 staff (direct reporting).
Senior Credit Manager
IDFC FIRST BANK
Jodhpur
01.2021 - 01.2023
- Underwriting and decision-making for loan products: business loans, home loans, and vehicle loans.
- Managed credit assessment processes for high-value client accounts.
- Analyzed financial statements to evaluate creditworthiness and risk.
- Collaborated with sales teams to resolve credit-related inquiries promptly.
- Mentored junior staff on credit evaluation techniques and tools.
- Reviewed and approved credit applications in accordance with company guidelines.
- Conducted periodic audits of accounts receivable to ensure compliance.
- Managed a team of Credit Analysts responsible for assessing customer applications for loan products.
Location Credit Manager
HDFC BANK
Neemuch (M.P)
09.2018 - 12.2020
- Underwriting and decision-making of secured business loans up to 5 crore and retail agricultural loans.
- Evaluated credit applications and assessed borrower risk levels.
- Analyzed financial statements to determine creditworthiness of clients.
- Maintained accurate records of credit decisions and customer interactions.
- Monitored industry trends to adjust lending strategies effectively.
- Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
- Submitted delinquent accounts to collections department or outside resources.
Branch Credit Manager
ICICI BANK
Hoshangabad (M.P)
06.2016 - 09.2018
- Underwriting and decision-making of loan products for Agri loans, KCC, microfinance loans, and tractor loans.
- Cross-seeding of TSR and external vendor management.
- Evaluated creditworthiness of applicants based on established criteria such as income level, debt ratio, collateral value.
- Analyzed competitors and market trends to facilitate business growth.
- Visit on 20% of the total applications received in a month before the final disbursement of the loan.
- Analyzed financial statements, loan applications and credit reports for potential customers.
Education
PGDB - Banking And Finance
MANIPAL UNIVERSITY
BANGALORE 06-2016
MBA - Marketing
Galgotia University
Greater Noida (U.P)06-2014
Uttar Pradesh Technical University (GBTU) - Mechanical Engineering
RD ENGINEERING COLLEGE
GAZIABAD (U.P)03-2012
Skills
- Credit assessment
- Portfolio management
- Risk analysis
- Policy formulation
- Compliance auditing
- Financial analysis
Accomplishments
- Recognized with a 4 rating in AU Small Bank for FY 2024-25
- Recognized with a 5 rating in AU Small Bank for FY 2023-24
Timeline
Senior Manager-Classification QAT
AU SMALL FINANCE BANK
02.2023 - Current
Senior Credit Manager
IDFC FIRST BANK
01.2021 - 01.2023
Location Credit Manager
HDFC BANK
09.2018 - 12.2020
Branch Credit Manager
ICICI BANK
06.2016 - 09.2018
PGDB - Banking And Finance
MANIPAL UNIVERSITY
MBA - Marketing
Galgotia University
Uttar Pradesh Technical University (GBTU) - Mechanical Engineering
RD ENGINEERING COLLEGE
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