Ravi J. Modasiya
Credit Manager-Wheels(Car, CV, CE,& Tractor and farm equipment)
Summary
Professional with strong background in credit management and risk assessment. Skilled in financial analysis, credit evaluation, and portfolio management. Strong focus on team collaboration and achieving results, adapting to changing needs seamlessly. Known for reliability, integrity, and leadership in driving financial performance and minimizing risk.
Overview
15
15
years of professional experience
6037
6037
years of post-secondary education
3
3
Languages
Work History
Credit Manager
Tata Capital Ltd
04.2023 - Current
- Investigated and evaluated customers for creditworthiness and potential risk factors after appraising solvency status of customer & verifying documents as well as post sanction follow up and disbursal loan of used car loan within TAT
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution & Monitoring of Post loan disbursal activities for recovery of 6 MOB cases and, awareness calling for Delinquent and non-starter cases
- Dealer/DSA/Broker/referral Agent/Agency visit with Sales team for new business generation and understanding market scenario
- Additional responsibility of handling Branch Visits and conducting training for sales team for updating of new policy updates and advisories time to time
- Preparing and Maintaining MIS report for location and PDD Follow up to sales team, RC limit MIS data processing for Allocated Location.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
Area Credit Manager
Tyger Capital Pvt Ltd
12.2021 - 04.2023
- Company Overview: formerly as Adani Capital Pvt Ltd
- Appraising and decisioning of login files of new tractor, used tractor, farm implements as per company policy and forwarded to higher authority within Stipulated Time
- Analysis of entire Collection portfolio & specific 12 MOB cases and NPA Cases
- Developing LOS, Interaction with LOS team, IT team for Building BRE in LOS and doing UAT on the same
- Had done UAT for STP process in LOS
- Trade advance monitoring of dealer and follow up for renewal and overdue advances from dealer
- Formerly as Adani Capital Pvt Ltd
- Got Super Star awards in Jul'22 and May'23
- Received Trophy for contributing to achieving first ever 120 Cr in Oct'22
Location Credit Manager
Kotak Mahindra Bank Ltd
07.2016 - 12.2021
- Underwriting of login files of New tractor, Used tractor, Car, SCV, JCB as per company policy
- Analysis of Collection portfolio for Infant Cases and NPA Cases and Updating remarks for Loss write off cases to Head office for the location
- Training to Sales team for New Policy and Existing policy on timely basis
- Trade advance monitoring of dealer and follow up for renewal and overdue advances from dealer
Credit Executive
Tata Business support and services
06.2013 - 07.2016
- Handling South Gujarat for credit processing of used & new Tractor Loan Files
- Preparing & maintaining MIS report on daily basis & PDD MIS updating on daily basis based on the disbursed files for entire Gujarat
- Achieved Magic Star Winners for the month of April & May 2014 Tata Business support and services for processing Highest Files with lower TAT for Two Cluster
Credit & Sales Backend
Magma ITL Ltd
09.2012 - 06.2013
- Handling locations From Kheda to Vapi for Tractor Loan Files with 8 Executive
- Preparing Credit Approval Memorandum & forward to the Credit Team
- Getting Approved file to disburse at the final stage
Sales Coordinator
Kotak Mahindra Bank Ltd
10.2010 - 08.2012
- Company Overview: on payroll of Team lease Pvt Ltd
- Handling five locations, processing login files in LOS
- Managing direct sales team & allocating target to them of Baroda location
- Co-ordination with the executive to get approved files disbursed
- On payroll of Team lease Pvt Ltd
Education
MBA-Bank Management - Banking And Insurance
National Institute of Business Management
M.Com - Banking
M.S. University
Baroda, GujaratP.G. Diploma - Banking
M.S. University
Baroda, GujaratB.Com. - Accounting And Finance
M.S. University
Baroda, GujaratSkills
Efficient at grasping new concepts
Disclaimer
I hereby declare that all the data given above are true, complete, and correct to the best of my knowledge and belief.
Personal Information
- Date of Birth: 09/27/87
- Gender: Male
- Marital Status: Married
Timeline
Credit Manager
Tata Capital Ltd
04.2023 - Current
Area Credit Manager
Tyger Capital Pvt Ltd
12.2021 - 04.2023
Location Credit Manager
Kotak Mahindra Bank Ltd
07.2016 - 12.2021
Credit Executive
Tata Business support and services
06.2013 - 07.2016
Credit & Sales Backend
Magma ITL Ltd
09.2012 - 06.2013
Sales Coordinator
Kotak Mahindra Bank Ltd
10.2010 - 08.2012
P.G. Diploma - Banking
M.S. University
MBA-Bank Management - Banking And Insurance
National Institute of Business Management
M.Com - Banking
M.S. University
B.Com. - Accounting And Finance
M.S. University
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