Roshan Jadhav
Area Credit Manager
Thane,MH
Summary
With a proven track record at Poonawalla Fincorp, I excel in credit risk assessment and team leadership, enhancing branch profitability through meticulous financial analysis and strategic delinquency management. Recognized for outstanding communication and analytical skills, I consistently achieve minimal operational errors and optimal portfolio performance.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Area Credit Manager (POC - Retail Asset)
Poonawalla fincorp
Mumbai
06.2024 - Current
- Responsible for analyzing the risk level of customer/vendor credit applications and (contributing to) their approval, in order to support customers in different geographies in achieving their expected risk loss targets
- Managing a team of Credit Risk Analysts supporting customer across different areas
- Appraising credit proposals and scrutinizing relevant documents prior to sanctioning and disbursement of pre owned car and ensuring compliance with organizational policies
- Conducting comprehensive study of creditworthiness of individual clients by supervising data verification and field investigation activities
- Evaluating financial statements of various clients and availing approval of quantum of credit considering all deviations as per policy
- Interacting with the Field investigation FI and Risk Control Unit RCU agencies, visiting them regularly to resolve their queries, providing valuable feedback to enhance their report quality and ensure seamless execution of business operations
- Conducted surprise visits to some customers to cross check the authenticity of the FI and RCU reports in turn avoiding fraud cases and minimizing the loses
- Successfully maintained a Login to disbursement turn around time of 7days and a loan processing turn around time of 48 hours inclusive of FI and RCU process completion
- Pivotal in achieving minimal number of operational errors related to files disbursed
- Implementing various trackers and reporting systems, preparing daily MIS and monthly branch reports for monitoring business performance
- Successfully improved the branch profitability by constantly supervising the operations costs
- Mentoring motivating the CPA team force, imparting continuous on job training on various changes in the policy for accomplishing greater operational effectiveness
- Conducting programmed to enhance efficiency in various business operations, setting up sales objectives and streamlining processes to ensure smooth functioning of sales and credit operations
- Channel Management-Supervising management of files logged in through the alternate Channel as this is one of the most profit making product for the company
- Implementing result oriented recovery plans, made Business development visits mandatory for high value disbursement rendering regular feedback to the collections team on portfolio performance
Cluster Credit Manager (Risk Management - Retail Banking)
AU Small Finance Bank
Mumbai
03.2023 - 05.2024
- Responsible for analyzing the risk level of customer/vendor credit applications and (contributing to) their approval, in order to support customers in different geographies in achieving their expected risk loss targets
- Managing a team of Credit Risk Analysts supporting customer across different areas
- Credit / Risk policies and regulations
- Credit Application Report (CAR)
- Degree of complete and actual information
- Quality of analysis and credit application decisions
- % of in time and correct reviews and re-rates
- Risk estimate accuracy
- Stakeholder satisfaction on advice, support and reporting
- Compliance with policies, mandates and regulations
- Productivity ratios, Continuous Process Improvement
- Handling Team size of 12 including Branch Credit manager & Field investigating officers
Credit Manager (Risk Management - Retail Banking)
Axis Bank Limited
Mumbai
09.2021 - 03.2023
- Steering credit appraisal and underwriting of Auto loans (used car loan)
- Generating credit appraisal memo and underwriting auto loan proposals within defined guidelines & timeframe
- Taking credit decision or recommending case for approval to higher authorities
- Performing analysis and assessing the financial risks before granting loans to borrowers
- Analysing regular bouncing customers to identify lead indicators of portfolio stress and offering suitable inputs to the Senior Management team to fine tune the credit policy
- Managing the entire credit application process, right from login to disbursement
- Scrutinising client documents, business profiles, and financial documents, hypothecation on asset, Income analysis & KYC
- Preparing reports of profile risk analysis & monthly analysis; responding to audit queries and maintaining good audit score
- Following up with Sales, Operations, Collections, Compliance, Legal units to ensure seamless operations
- Working in sync with internal and external auditors for successfully conducting internal & regulatory audits on the portfolio
- Approving / rejecting loan requests based on credibility and potential revenues
- Driving the acquisition and assessment of profile of the borrower
- Conducting due diligence and credit risk assessment based on entities credit history and market reports
- Assessing the credit-worthiness of borrowers through detailed fundamental analysis, qualitative and quantitative methods
- Determining the capacity of borrowers to repay the credit by calculating risks, reviewing financial statements and revising credit limits
- Generating appraisal notes for sanctioning facilities and periodically reviewing the company's performance
- Ensuring compliance with bank's credit policy & regulatory requirements related to lending
Credit Manager (Risk Management - Retail Banking)
Yes Bank Limited
Nashik
08.2019 - 09.2021
- Provided credit decision with respect to the login files for New & Used Car and Two- Wheeler Loan (Vehicle Segment - A1, A2, A3, A4, A5, A6, MUV & SUV/ Two-Wheeler - Economy to Luxury)
- Assessed the credit worthiness of customers through personal discussions with customers for loan amount of > 50 Lacs
- Conducted CIBIL check & credit approval and generated Commercial CIBIL for company cases
- Evaluated credit data and financial statements to determine the degree of risk involved in extending credit or lending money
- Gained understanding about CAM and eligibility sheets as per assessment criteria & policy conditions
- Performed documents check through online portals i.e., E-Aadhar, E-bill, MCA check, UDIN check for validation
- Coordinated with the RCU team for Screening/ Sampling the documents and maintaining the RCU report
- Worked in sync with the Operations team for disbursement and rejected files for shredding on monthly / bi monthly basis
- Scrutinised the suspicious cases and maintained TAT for delivery of best service to the clients
Credit Manager (CV)
Kogta Financial India Limited
Nashik
05.2018 - 07.2019
- Engaged in providing credit decision regarding login files for auto loan (SCV, LCV, HCV, LMV, CE) new, used & refinance cases
- Assessed the credit worthiness of customers through personal discussions for profile background checks
- Conducted CIBIL check and credit approval (CV)
- Evaluated credit data and financial statements to determine the degree of risk involved in extending credit or lending money
- Generated CAM and eligibility sheets as per assessment criteria & policy conditions
Branch Accounts Head (SBA)
Mahindra & Mahindra Financial Services Limited
Nashik
02.2011 - 04.2018
- Managed credit operations from login to disbursement for auto Loan (LCV/SUV/LMV - Mahindra Products)
- Performed PD (Personal discussions with customers) for profile background checks and credit worthiness
- Executed CIBIL check and credit approval (CV) by analyzing credit data and financial statements to determine the degree of risk involved in extending credit or lending money
- Scrutinized the financial data such as market share, income growth and management quality to decide if loans will be lucrative
- Compared liquidity, profitability and credit histories of individual or companies being evaluated to determine risk
- Prepared CAM and eligibility sheets as per assessment criteria & policy conditions
- Conducted Financial Analysis of the balance sheets & Key Ratio Analysis
- Generated monthly financial and operational report and present them to the management
- Secured 'Dhruva Tara' for best performance in the quarter July-Sep 2012
Education
MBA - Finance
IBMR College
Pune01.2010
B.Com. -
K.K. Wagh College
Nashik01.2007
Skills
- Credit Analysis
- Delinquency Management
- Credit Risk Assessment
- Credit Evaluation / Investigation
- Credit Compliance
- Due Diligence
- Planner
- Collaborator
- Communicator
- Analytical
- Team Player
- Thinker
- Financial Analysis
- Auto / Car Loans
- Underwriting Issues
- Portfolio Management
- Liaising & Coordination
- Team Management
Certification
NISM Certification for Mutual Fund Distributorship
Languages
- English
- Hindi
Projects
Comparative Analysis of Mutual Fund Against Other Investment Options, 05/01/08 - 07/31/08, The project aimed at securing more in-depth knowledge of mutual fund schemes and investor perceptions.
Training
Datamatics Team Training, QDE, DDE & Underwriting - PAN India Logins
Personal Information
Date of Birth: 03/09/85
Extracurricularaccolades
Mahindra Finance - Rise Run, 12/25/15, Certificate of Participation in various CSR activities during FY 2015-16
Timeline
Area Credit Manager (POC - Retail Asset)
Poonawalla fincorp
06.2024 - Current
Cluster Credit Manager (Risk Management - Retail Banking)
AU Small Finance Bank
03.2023 - 05.2024
Credit Manager (Risk Management - Retail Banking)
Axis Bank Limited
09.2021 - 03.2023
Credit Manager (Risk Management - Retail Banking)
Yes Bank Limited
08.2019 - 09.2021
Credit Manager (CV)
Kogta Financial India Limited
05.2018 - 07.2019
Branch Accounts Head (SBA)
Mahindra & Mahindra Financial Services Limited
02.2011 - 04.2018
MBA - Finance
IBMR College
B.Com. -
K.K. Wagh College
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