Hi, I’m
Ranjit Jadav
Ahmedaad
Summary
Resourceful Credit Manager successful at improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Skilled Credit Manager administers credit operations and account management. Top strengths in data analysis, time management and both verbal and written communication. Over 8.5 years of experience supporting financial needs for organizations within lending industries.
Overview
8
years of professional experience
Work History
ICICI HOME FINANCE COMPANY, Ahmedabad
Territory Portfolio Manager
2022.06 - Current (2 years & 3 months)
Job overview
- In affordable housing cum Retail Loan segment and handling Business Loan, home Loan, MSME, Gold Loan, LAP loan Etc.
- Conducted training and offered staff development opportunities to decrease process lags.
- Improved individual location efficiency through effective leadership restructure.
- Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
- Evaluated business practices and loan procedures to assess risk and develop mitigation plans to protect business operations and assets.
- Reviewed accounts for signs of fraud and non-payment issues.
- Gathered information related to assessment of annual bad debt to carry out in-depth reviews.
- Created standard operating procedures and delivered training to credit personnel to improve operational efficiency.
- Identified possible issues with credit systems and monitoring by streamlining processes ahead of time.
- Compiled data and analyzed latest trends, identifying risks preventatively.
- Applied deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Coordinated approval or rejection of Home Loans and Mortgage Loans
Aavas Financier limited, Ahmedabad
Credit Manager
2020.05 - 2022.06 (2 years & 1 month)
Job overview
- In affordable housing loan, home loan, mortgage loan, repair and renovation loan, MSME loan etc.
- Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
- Worked with management to evaluate credit strategies and develop improvements.
- Evaluated business practices and loan procedures to assess risk and develop mitigation plans to protect business operations and assets.
- Resolved problems and maintained positive cash position, achieving recognition across organization for having insight, due diligence and precision skills.
- Submitted delinquent accounts to collections department or outside resources.
- Reviewed accounts for signs of fraud and non-payment issues.
- Gathered information related to assessment of annual bad debt to carry out in-depth reviews.
- Identified possible issues with credit systems and monitoring by streamlining processes ahead of time.
- Implemented new initiatives, which resulted in quicker payments and better turnaround times to resolve customer issues.
- Created standard operating procedures and delivered training to credit personnel to improve operational efficiency.
- Handing Legal & Technical and Branc MIS
HDB Financial services limited, Ahmedabad
Branch Credit Manager
2018.10 - 2020.04 (1 year & 6 months)
Job overview
- 2020 in Personal loan, business loan, Loan against property, Loan against Gold, Loan against LIC, Loan against Security etc.
- Worked with management to evaluate credit strategies and develop improvements.
- Credit underwriting and Portfolio maintaing
- Managed reporting, documentation and recordkeeping requirements for department.
- Submitted delinquent accounts to collections department or outside resources.
- Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
Tripoli Management Private limited, Ahmedabad
Credit Manager
2018.05 - 2018.10 (5 months)
Job overview
- In Machinery Finance, Mortgage loan, business loan
- Applied deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
- Worked with management to evaluate credit strategies and develop improvements.
- Created financial management mechanisms to minimize financial risk to business.
- Created and updated financial reports on frequent basis to present information to leadership teams.
Electronica Finance Ltd, Ahmedabad
Credit Relationship Manager
2017.05 - 2018.05 (1 year)
Job overview
- Machinery Loan, Business Loan, Working Capital, Micro Business Loan,
- Industrial Property Loan, school finance loan etc.
- Handing Legal & technical reports
- Handing Secured & Unsecured Loans
- Recommended approval or disapproval of different loan types based on established criteria.
- Collected and checked borrower income, credit history and employment information.
UJJIVAN SMALL FINANCE BANK, AHMEDABAD
CREDIT OFFICER
2016.01 - 2017.04 (1 year & 3 months)
Job overview
- In House Improvement Loan, Business Loan, Education
- Loan, Portfolio heanding, Team handing & his Training, MIS maintaing
- Collected and checked borrower income, credit history and employment information.
- Recommended approval or disapproval of different loan types based on established criteria.
- Analyzed and prepared existing borrower reports and reviews to track repayments and compliance with loan agreements.
- Followed banking requirements and government lending regulations.
- Informed applicant of credit research results in writing with formal credit reports.
Education
H L COLLEGE OF COMMERCE , AHMEDABAD, INDIA
BECHELOR OF COMMERCE from FINANCIAL ACCOUNTING
03.2012
D Y PATIL UNIVERSITY , PUNE, INDIA
MBA from FINANCIAL ACCOUNTING
Skills
- Multitasking Ability
- Business Analyst with Excel
- Power BI
- Advance Excel & Accounting
- Staff Training & Evaluation
- Team Collaboration and Leadership
- Verbal and Written Communication
- Opportunities Identification
- Due Diligence
- Pivot Tables Understanding
- Presentation Skills
- Market Understanding
- Workflow Coordination
- Financial Analysis and Planning
- Commercial Lines of Credit
- Process Implementation
- Risk Assessment and Classification
- Market Condition Analysis
- Expert in Risk Management
- Cash Flow Management
- Planning and Coordination
- Financial Management & Modeling
- Employee Training Oversight
- Team Building Leadership
- Authorizations Knowledge
- Credit Evaluations
- Proficient With Fineone
- Performance Improvements
- Research and Due Diligence
Accomplishments
- Improved delivery of Login to disbursement by within TAT, realizing overall increase in customer satisfaction and cost efficiency.
- Created highly effective new program that significantly impacted efficiency and improved operations.
- Consistently maintained high customer satisfaction ratings.
Custom
Personal Information:
Hobbies : , Making Analysis, Reading Novel, Playing Table Tennis, Photography
Gender : Male
Marital Status ; Married
Declaration: , I hereby declare that all the information and fact given above are true to the best of my knowledge and belief
Custom
- English, Hindi, Gujarati
Timeline
Territory Portfolio Manager
ICICI HOME FINANCE COMPANY
2022.06 - Current (2 years & 3 months)
Credit Manager
Aavas Financier limited
2020.05 - 2022.06 (2 years & 1 month)
Branch Credit Manager
HDB Financial services limited
2018.10 - 2020.04 (1 year & 6 months)
Credit Manager
Tripoli Management Private limited
2018.05 - 2018.10 (5 months)
Credit Relationship Manager
Electronica Finance Ltd
2017.05 - 2018.05 (1 year)
CREDIT OFFICER
UJJIVAN SMALL FINANCE BANK
2016.01 - 2017.04 (1 year & 3 months)
H L COLLEGE OF COMMERCE
BECHELOR OF COMMERCE from FINANCIAL ACCOUNTING
D Y PATIL UNIVERSITY
MBA from FINANCIAL ACCOUNTING
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