SAHIL SOLANKI
Credit Management Professional
RAJKOT
Summary
Experienced Branch Credit Manager and Quality Checker with expertise in credit risk assessment, customer verification, loan portfolio management, debt recovery, and quality control. Skilled in leading credit teams, analyzing customer creditworthiness through CIBIL and financial verification, managing overdue accounts, reducing branch losses, and ensuring compliance with company policies. Strong background in field investigations, collections management, and maintaining high-quality credit operations.
Overview
2
2
Languages
4
4
years of professional experience
Work History
Branch Credit Manager
Rentokil PCI Pest Control Service
04.2024 - Current
- Led and supervised the branch credit and recovery team, ensuring achievement of collection and portfolio quality targets.
- Managed delinquent and overdue accounts by coordinating recovery activities and conducting customer follow-ups.
- Monitored branch credit performance and implemented strategies to minimize bad debt and financial losses.
- Analyzed customer repayment behavior and recommended appropriate actions to reduce credit risk.
- Ensured compliance with company credit policies, procedures, and risk management guidelines.
- Conducted Quality Check (QC) reviews of customer files, verification reports, and credit documentation to maintain accuracy and compliance standards.
- Supported branch operations by identifying potential credit risks and taking preventive measures to protect portfolio quality.
- Prepared performance reports and provided guidance to team members to improve recovery efficiency and customer service.
- Coordinated with sales, operations, and credit departments to ensure smooth loan processing and recovery management.
- Maintained strong portfolio health by reducing overdue accounts and improving collection performance.
Credit Manager
Electronica Finance Limited (EFL)
01.2022 - 02.2024
- Conducted field visits to customers' residences and businesses for credit verification and assessment.
- Evaluated customer eligibility for loans by reviewing financial information, credit history, and CIBIL reports.
- Verified customer documents and collected relevant information required for loan processing.
- Prepared and submitted detailed credit assessment reports to branch and underwriting teams for approval.
- Monitored loan accounts and ensured compliance with company credit policies.
- Followed up with customers regarding overdue payments and recovered bounced EMI installments.
- Maintained accurate customer records and provided regular status updates to branch management.
- Coordinated with internal departments to support loan approval and recovery processes.
- Built and maintained positive customer relationships while ensuring effective risk management.
Education
Bachelor of Science - B.Sc. Chemistry
Gujarat University
04.2001 -
Skills
Credit Risk Assessment
Credit Portfolio Management
Team Leadership
Debt Recovery & Collections
Customer Verification
Field Investigation
CIBIL Analysis
Loan Eligibility Assessment
Quality Control (QC)
Document Verification
Credit Operations Management
Delinquency Management
Portfolio Risk Monitoring
Recovery Strategy Implementation
Compliance & Policy Adherence
Timeline
Branch Credit Manager
Rentokil PCI Pest Control Service
04.2024 - Current
Credit Manager
Electronica Finance Limited (EFL)
01.2022 - 02.2024
Bachelor of Science - B.Sc. Chemistry
Gujarat University
04.2001 -
Languages
English
Upper intermediate (B2)
Hindi
Advanced (C1)