Summary
Overview
Work History
Education
Skills
Additional Responsibilities
Additional Technical Skills
Timeline
Generic

RAKSHA DHARAWAT

Banking and finance
Udaipur,Rajasthan

Summary

Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services. Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.

Overview

6
6
years of professional experience

Work History

CREDIT MANAGER

Kaabil Finance Pvt Ltd
09.2023 - Current
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Improved credit risk management by implementing effective underwriting policies and procedures.
  • Collaborated with management to evaluate credit strategies and develop improvements.
  • Self-motivated, with a strong sense of personal responsibility.
  • Passionate about learning and committed to continual improvement.

CREDIT AND OPS MANAGER

Cholamandalam Investment & Finance Company
10.2022 - 08.2023

• Working on LMS software,branch banking and branch operations,CASH handling,credit and ops,,repo,release etc.

• Managed all complex Complaints,issues and problems to maintain customer requirements.

Branch Operations Officer

CATHOLIC SYRIAN BANK
03.2021 - 12.2021

• Working on LOS software ,branch banking and branch operations , gold loan operations.

• Advised customers on best available loan products and credit options.

• Built knowledge about latest banking products and services through ongoing training.

• Educated customers about conditions of credit and loans ,repayment requirement and loan periods.

• Interviewed individuals to collect missing details for applications.

GOLD LOAN OPERTIONS

HDB Finance Service
10.2019 - 03.2021

• Working on LOS software,Branch cash handling and branch operations,gold loan operations,customer service.

• Advised customers on best available loan products and credit options.

• Actively listened to customers to fully under stand requests and address concerns.

GOLD LOAN EXICUTIVE

Muthoot Fincorp
06.2018 - 10.2019

• Loan adviser , gold valuation,Branch cash handling and branch operations,gold loan operations,customer service.

• Advised customers on best available loan products and credit options.

• Educated customers about conditions of credit and loans,repayment requirement and loan periods.

Education

MCA (Computer applications) -

Rajasthantechnicaluniversity
Udaipur, India
01.2014

BCA -

Mohanlalsukhadiauniversity
Udaipur, India
01.2011

Skills

  • DBMS/TOOLS
  • MVC
  • PHP
  • HTML
  • CSS
  • C#
  • C
  • C
  • VNET
  • Microsoft Word
  • Excel
  • Power Point
  • DTP
  • Risk Analysis
  • Loss Mitigation
  • Willing to Learn
  • Market Condition Analysis
  • Expertise in understand software's
  • Credit analysis
  • Decision-Making

Additional Responsibilities

Advised customers on best available loan products and credit options. Educated customers about conditions of credit and loans, repayment requirement and loan periods.

Additional Technical Skills

  • C#
  • C
  • C++

Timeline

CREDIT MANAGER

Kaabil Finance Pvt Ltd
09.2023 - Current

CREDIT AND OPS MANAGER

Cholamandalam Investment & Finance Company
10.2022 - 08.2023

Branch Operations Officer

CATHOLIC SYRIAN BANK
03.2021 - 12.2021

GOLD LOAN OPERTIONS

HDB Finance Service
10.2019 - 03.2021

GOLD LOAN EXICUTIVE

Muthoot Fincorp
06.2018 - 10.2019

MCA (Computer applications) -

Rajasthantechnicaluniversity

BCA -

Mohanlalsukhadiauniversity
RAKSHA DHARAWATBanking and finance