Summary
Overview
Work History
Education
Skills
Languages
Accomplishments
Personal Details
Timeline
Generic

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
Rohit Sain