Summary
Overview
Work History
Education
Skills
Certification
Accomplishments
Languages
Personal Information
Timeline
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RAMESH D. KALAL

Alnavar

Summary

Senior Credit Manager with over 17 years of experience in banking and financial services, specializing in MSME and retail lending. Demonstrated expertise in credit underwriting, portfolio management, and regulatory compliance. Skilled in leading teams, mitigating risk, and enhancing asset quality across diverse geographies.

Overview

18
18
years of professional experience
1
1
Certification

Work History

Senior Credit Manager

Axis Bank Ltd
07.2023 - Current
  • Underwrite proposals ranging from ₹10 lakh to ₹25 crore across MSME and business banking
  • Structure credit solutions for HNI clients, including CMA preparation and MPBF analysis
  • Manage vendor relationships and ensure policy compliance
  • Hold approval authority up to ₹1 crore and PD authority up to ₹25 crore
  • Lead delinquency control initiatives and portfolio quality reviews

Cluster Credit Manager

Ujjivan Small Finance Bank Ltd
11.2016 - 07.2023
  • Oversaw credit operations across 18 branches in Karnataka and Goa
  • Managed MSME loan approvals with authority up to ₹15 lakh
  • Led a team of 6 credit officers, improving approval accuracy by 30%
  • Reduced delinquency rate by 18% through proactive monitoring and early warning systems
  • Conducted fraud control audits and ensured compliance with RBI norms

Credit Manager

RBL Bank Ltd (Ratnakar Bank)
07.2014 - 11.2016
  • Specialized in mortgage and unsecured loan underwriting
  • Conducted PDs, trade checks, and property evaluations for high-risk cases
  • Collaborated with policy teams to refine credit norms and improve turnaround time

Credit Manager

Vistaar Financial Services Pvt Ltd
06.2012 - 07.2014
  • Managed mortgage loan credit operations across multiple branches
  • Awarded 'Best Credit Manager' for FY 2013–14 for excellence in portfolio management

Field Credit Officer

Ujjivan Financial Services Pvt Ltd
02.2008 - 06.2012
  • Oversaw credit quality across 6 branches
  • Conducted business analysis, PDs, and fraud control investigations

Education

Bachelor of Commerce (B.Com) -

Govt. First Grade College
Alnavar
01.2007

PUC Commerce -

N.E.S. PU College
Alnavar
01.2004

Skills

  • Credit appraisal and underwriting
  • Delinquency management
  • Portfolio management
  • Risk assessment
  • Market analysis
  • Credit policy compliance
  • Fraud detection
  • Risk assessment and fraud detection
  • Portfolio monitoring and NPA control
  • Regulatory compliance (RBI, IIBF)
  • CMA data and MPBF structuring
  • Team leadership and training
  • Financial statement analysis
  • Loan origination systems
  • Client relationship management

Certification

  • Retail Lending & Credit Appraisal – Indian Institute of Banking & Finance
  • MSME Financing Workshop – Reserve Bank of India
  • Credit Management – National Institute of Bank Management, Pune
  • Diploma in Advanced Soft Skills – Vidya Poshak Graduate Finishing School, Dharwad

Accomplishments

  • 'Best Organizer' – NSS, B.Com 2nd Year
  • Sports Secretary – College Committee
  • Organized cultural and sports events across campus

Languages

  • English
  • Hindi
  • Kannada
  • Marathi

Personal Information

  • Father's Name: Dharmaji Kalal
  • Date of Birth: 03/03/86
  • Gender: Male
  • Nationality: Indian
  • Marital Status: Married

Timeline

Senior Credit Manager

Axis Bank Ltd
07.2023 - Current

Cluster Credit Manager

Ujjivan Small Finance Bank Ltd
11.2016 - 07.2023

Credit Manager

RBL Bank Ltd (Ratnakar Bank)
07.2014 - 11.2016

Credit Manager

Vistaar Financial Services Pvt Ltd
06.2012 - 07.2014

Field Credit Officer

Ujjivan Financial Services Pvt Ltd
02.2008 - 06.2012

Bachelor of Commerce (B.Com) -

Govt. First Grade College

PUC Commerce -

N.E.S. PU College

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RAMESH D. KALAL