Rohit Sain
Malviya Nagar Jaipur
Summary
Seasoned Area Credit Manager with a solid background in credit risk management and customer service. Known for proficient skills in strategic planning, financial analysis, and budgeting. Strengths include good decision-making, leadership abilities, and negotiation skills. Demonstrated positive impact on revenue growth through effective credit control measures and policy development in past roles.
Overview
17
17
years of professional experience
5
5
years of post-secondary education
Work History
Area Credit Manager
HDB Financial Services
Jaipur
04.2014 - Current
- Trained and mentored junior staff on credit evaluation techniques.
- Analyzed market trends to inform strategic lending decisions.
- Established relationships with key stakeholders to streamline credit operations.
- Reviewed and approved high-value credit transactions within established guidelines.
- Analyzed and monitored credit activity of customers to ensure payment compliance.
- Collaborated closely with sales team on all new account setups including credit evaluations, approvals, and documentation requirements.
- Investigated customer complaints related to their billing statements or payments received and not received.
- Generated monthly reports on the performance of credit activities in assigned area.
- Identified process improvements and implemented changes to enhance operational effectiveness and efficiency.
- Assisted in resolving disputes between customers and other departments within the organization related to billing issues or discrepancies.
- Negotiated payment plans with delinquent customers while ensuring adherence to company policies.
Branch Credit Manager
Reliance Capital Limited
Jaipur
03.2013 - 03.2014
- Collaborated with branch staff to ensure compliance with regulatory standards.
- Managed credit risk assessments for loan applications and existing accounts.
- Developed and implemented credit policies to enhance operational efficiency.
Credit Officer
Tata Capital Limited
Jaipur
09.2008 - 02.2013
- File checking
- Cam preparation
- Basic data entry
- SAP Entry
Education
Master of Arts - Arts
Rajasthan University
Jaipur 05.2010 - 05.2012
Bachelor of Arts - Arts
Rajasthan University
Jaipur 05.2007 - 05.2010
Skills
- Credit evaluation
- Market analysis
- Risk assessment
- Policy development
- Compliance management
- Financial reporting
- Effective communication
- Strategic planning
- Credit policy development
- Underwriting expertise
- Portfolio management
- Credit scoring models
- Data interpretation
- Debt restructuring
- Credit risk assessment
Languages
Hindi
First Language
English
Intermediate (B1)
B1
Accomplishments
- Awarded ''MD Club Award''in 2024 as maintain #1 Rating since last 3 years in a row.
- Awarded ''Best Credit Manager'' Award
Personal Details
- Date of Birth :- 16 June 1990
- Father's Name :- Rajesh Sain
- Nationality :- Indian
- Gender :- Male
- Marital Status :- Married
Timeline
Area Credit Manager
HDB Financial Services
04.2014 - Current
Branch Credit Manager
Reliance Capital Limited
03.2013 - 03.2014
Master of Arts - Arts
Rajasthan University
05.2010 - 05.2012
Credit Officer
Tata Capital Limited
09.2008 - 02.2013
Bachelor of Arts - Arts
Rajasthan University
05.2007 - 05.2010
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