SANJEEV KUMAR SINGH
Credit & Operation Manager
Rewa
Summary
Operations professional with 9.4 years of experience at Bajaj Finance Ltd. specializing in credit and operations management. Proven track record of improving credit & operational efficiency & managing high- volume finance operations.
Overview
9
9
years of professional experience
Work History
Deputy area manager – Operations
Bajaj Finance Ltd.
Waidhan , Madhya Pradesh
11.2023 - 12.2025
- Handled loan processing, documentation, and operational support
- Led and supervised a team of 5 members, ensuring target achievement and quality delivery
- Maintained data accuracy and customer coordination
- Supported branch operations and backend processes
- Reduced operational costs by identifying inefficiencies and implementing cost-saving measures.
- Implemented staff training programs to enhance employee skill sets and boost overall performance levels.
- Optimized resource allocation within the area, leading to improved efficiency and reduced waste.
- Successfully navigated complex negotiations with vendors, securing favorable terms for the company''s benefit.
- Ensured a high level of customer satisfaction through efficient problem resolution, proactive communication, and continuous improvement initiatives.
- Coordinated cross-functional initiatives across departments for seamless integration of projects or tasks that impacted multiple areas of responsibility.
- Managed a diverse team of professionals, fostering a collaborative environment to drive success.
- Evaluated market trends and competitor activities to inform strategic decisions regarding product offerings or pricing strategies.
- Ensured compliance with all relevant regulations through diligent oversight of internal procedures and external audits.
- Successfully managed budgets and allocated resources to maximize productivity and profitability.
Manager – Operations
Bajaj Finance Ltd.
05.2019 - 01.2024
- Managed end-to-end branch and backend operations for retail finance products
- Ensuring target achievement and quality delivery
- Monitored SLA, TAT, productivity, and error rates to meet organizational benchmarks
- Implemented process improvements to enhance efficiency and reduce turnaround time
- Handled customer escalations and ensured high customer satisfaction
- Coordinated with Sales, Credit, Risk, and Customer Service teams
- Ensured compliance with internal policies, audits, and regulatory requirements
Assistant Manager – Credit
Bajaj Finance Ltd.
08.2016 - 04.2019
- Performed credit assessment and underwriting for PLCS & SALPL cases
- Evaluated customer profiles including salary slips, bank statements, CIBIL reports, and employer details
- Approved / rejected loan applications as per credit policy and risk norms
- Maintained high credit quality while handling large daily volumes
- Ensured SLA and TAT adherence with zero policy deviations
- Identified fraud indicators and high-risk cases, coordinating with Risk & Fraud teams
- Prepared daily MIS, productivity, and quality reports
- Supported and guided junior credit officers on underwriting standards
- Ensured 100% audit and compliance readiness
Education
Bachelor’s Degree - undefined
01-2015
Skills
Workflow efficiency
Credit risk assessment Consumer lending strategies Financial transaction management
Team performance management
Efficiency monitoring and control
Customer relations management
Reporting accuracy
Auditing for risk compliance
Interdepartmental alignment
Microsoft Excel expertise (VLOOKUP and reporting) Analytical skills Spreadsheet efficiency
Word processing and presentations Document design and execution
Proficiency in LMS and CRM tools Logistics support expertise Analytical reporting skills
Accomplishments
- Successfully managed operations with consistent KPI achievement
- Improved process efficiency and TAT through workflow optimization
- Recognized for ownership, leadership, and operational excellence
- Handled high-volume loan processing with minimal error rates
Disclaimer
I hereby declare that all the information furnished above is correct and complete to the best of my knowledge.
Timeline
Deputy area manager – Operations
Bajaj Finance Ltd.
11.2023 - 12.2025
Manager – Operations
Bajaj Finance Ltd.
05.2019 - 01.2024
Assistant Manager – Credit
Bajaj Finance Ltd.
08.2016 - 04.2019