Santosh Singh Chaudhary
Delhi
Summary
To be part of a top-notch team of professionals working in an environment that provides continual intellectual challenge and to apply and enhance my knowledge and experience in efficient management skills and problem-solving methodologies to contribute to improve the efficiency, competitiveness, and growth of the organization.
Overview
7
7
years of professional experience
2
2
Languages
Work History
Branch Credit Manager
Vastu Housing Finance Ltd
01.2026 - Current
- Credit Analysis & Approval: Evaluate creditworthiness by analyzing financial statements, credit reports, and business income. Approve or reject loan proposals based on risk assessment.
- Risk Management:Monitor the credit portfolio to minimize bad debts and ensure compliance with internal policies and regulatory requirements.
- Customer & Field Visits: Conduct personal visits to customers to assess business viability, verify information, and conduct due diligence.
- Policy Implementation & Compliance: Ensure all lending procedures align with bank guidelines and credit policies.
- Portfolio & Delinquency Management: Monitor loan payments, manage overdue accounts, and take corrective actions to keep Non-Performing Assets (NPAs) within budgeted levels.
- Performance Monitoring: Maintain specified Turnaround Times (TAT) for credit processing and provide regular reports to senior management.
- Team Collaboration: Collaborate with sales and relationship teams to structure deals while maintaining risk standards.
Branch Credit Manager
Shubham Housing Development Finance Company Ltd.
04.2024 - 01.2026
- Ensure credit underwriting in line with defined credit policy of Affordable Business.
- Taking care of cases when they move to underwriting after credit processing.
- Working closely with and coordinating with the operation team for the smooth disbursement of approved cases.
- Managing the overall Credit Underwriting/Loan sanction of loan proposal which includes conducting PD and recommending the case for final approval.
- Managing the Sanctions/Decision of the cases within defined TAT with complete adherence to policy & process.
- Calculate Eligibility of SENP, Formal Salaried & Cash Salaried customer as per policy.
- Responsible for Credit Appraisal & Sanctioning identifying risk.
- Doing the Personal discussion with the Customer residential and Business address at his /Her.
- Implementing the company’s credit policies and procedures.
- Ensure appropriate judgment is taken on the credit proposals to ensure the quality of portfolio.
- Understand credit policy and processes as well as credit environment.
- Ensure detailed PD is done for all the proposals, further few customers need to be physically visited in line with requirement.
- Ensure the quality of Credit approval notes and the Credit approval mail.
- Ensure the productivity for underwriting proposals is maintained in line with the prescribed standards.
- Banking Analysis: Who are anchors, who are the suppliers, and tracking EMI repayment.
- Rejection of non-doable cases with appropriate reasons.
Assistant Manager - Credit
Shivalik Small Finance Bank
04.2022 - 03.2024
- Housing loan, LAP, Used Car Loan , AL , Commercial Vehicle Loan, PL, Working Capital, CC, OD, Term Loan, Vehicle Loan, Education Loan, Business Loan, and BC partner’s loans.
- Prepare customer CAM with complete loan track as per cibil.
- Audit/Quality handling.
- Review the documentation of the borrower such as KYC documents, Income Tax Return, Financial Statement & Bank statements to evaluate borrower’s loan.
- Coordination with Legal, Technical, Disbursement and Sales Department.
- Handling Prior & Post disbursement activities of Mortgage loans.
- Calculate Eligibility of SENP and Salaried Customer as per policy.
- Ensured authenticity of information through verification & documentation.
- Analyzed applicant’s financial status and credit & property evaluations to determine loan feasibility.
- Performing Credit processing of loans as per the credit policy.
- Eligibility to analysis creditworthiness and risk assessment of clients.
- Responsible for TAT and accuracy.
- Managed the entire end to end credit approval process from login to disbursement.
- Ensuring compliance with bank policy guidelines, regulator guidelines related to KYC risk.
Assistant Credit Manager – Credit Underwriting
Bajaj Housing Finance LTD.
11.2018 - 03.2022
- Manage the entire credit application process, right from login to sanction process.
- Underwrite loan applications for HL/LAP.
- Understanding of the financial loan process and credit policy for HL/LAP business vertical.
- Working in central team and looking Delhi NCR, Punjab, Gujarat, Rajasthan, Bangalore and Maharashtra location.
- Telephonic PD is done on all cases at the time of sanction.
- Approval authority 40 lakh.
- Preparing CAM sheet.
Education
MBA -
Maharaja Agrasen Himalaya Garhwal University
01.2020
B.A - undefined
Maharaja Arasen College
01.2018
12th - CBSE Board
Govt. Boys. Sen. Sec. School
01.2015
10th - CBSE Board
Govt. Boys. Sen. Sec. School
01.2014
Skills
MS Excel
MS Office
MS Word
MS PowerPoint
Typing Speed over 35 Words Per Minute
Good Accuracy
Leadership
Quick Learner
Accomplishments
- Excellence Award 2015 For 12th Class
- Attended Many Webinars and Seminar’s Conducted By College
- Achieved Highest Marks In 3rd Year In College
- Part Of Successfully Organized Annual Fest Of College
Email Addresses
- Santosinghchaudhary77@gmail.com
- Santoshchaudalhary@gmail.com
Timeline
Branch Credit Manager
Vastu Housing Finance Ltd
01.2026 - Current
Branch Credit Manager
Shubham Housing Development Finance Company Ltd.
04.2024 - 01.2026
Assistant Manager - Credit
Shivalik Small Finance Bank
04.2022 - 03.2024
Assistant Credit Manager – Credit Underwriting
Bajaj Housing Finance LTD.
11.2018 - 03.2022
B.A - undefined
Maharaja Arasen College
12th - CBSE Board
Govt. Boys. Sen. Sec. School
10th - CBSE Board
Govt. Boys. Sen. Sec. School
MBA -
Maharaja Agrasen Himalaya Garhwal University