Satyendra Giri
Flat no.4, Priyesh CHSL, Rambaug Lane no.2, Kalyan West
Summary
Bringing over 14 years of expertise in credit management and risk assessment. Proficient in Secured Loans encompassing affordable Home Loans and Loan Against Property (LAP). I have consistently demonstrated a strong track record in managing credit and evaluating risks. My professional journey reflects a strong commitment to driving financial success and strategic growth for organizations. My work experience includes leadership roles at renowned institutions like Aditya Birla Housing Finance Limited, IDFC FIRST Bank Limited, Utkarsh Small Finance Bank Limited, Dewan Housing Finance Corporation Limited, AAVAS Financiers Limited and Shriram City Union Finance Limited.
Overview
14
14
years of professional experience
1
1
year of post-secondary education
Work History
Area Credit Manager
Aditya Birla Housing Finance Limited
Kalyan
12.2022 - 11.2025
- Managed daily login allocations for Kalyan and Badlapur branch, ensuring smooth operations.
- Attained sanction rights for amounts up to 1 crore and recommending rights for amounts up to 15 crores, streamlining the approval process.
- Supervised a team of 4 Credit Officers responsible for system data entry and processing of salaried PDs.
- Conducted PD visits for all self-employed and cash salaried cases, ensuring thorough due diligence.
- Prepared comprehensive proposal notes (PD notes) and Credit Appraisal Memo (CAM), showcasing strong analytical and decision-making skills.
- Pre-sanctioned all cases via email and/or Finverse system, expediting the approval process.
- Conducted final sanction upon receipt of clear Technical Report, maintaining high standards of risk assessment.
- Executed final quality checks on all sanctioned cases, ensuring accuracy and compliance with regulations.
- Managed the cheque-cut process upon receiving clear Legal Report, maintaining precision in disbursement activities.
- Oversaw the hand-over process (disbursement) after resolving all OTC pendency, ensuring timely fund release.
- Successfully handled collections for Kalyan and Badlapur branch, maintaining outstanding account receivables.
- Managed vendor billings for Kalyan and Badlapur branch, ensuring timely and accurate processing.
Credit Manager
IDFC FIRST Bank Limited
Kalyan
03.2022 - 09.2022
- Conducted tele and video Personal Discussion (PD) for all salaried and self-employed cases.
- Carried out PD visits for self-employed cases registered under the No Income Program (NIP).
- Determined customers' loan eligibility and prepared CAM notes accordingly.
- Attained Sanction or Approval rights for amounts up to 30 Lacs with L3 deviation.
- Managed a team of 4 Credit Officers, overseeing and guiding their workflow.
- Conducted soft approval for all cases via email and SFDC system post comprehensive due diligence and deviations with mitigants.
- Provided hard approval for all cases through email and SFDC system subsequent to thorough review of legal-technical reports.
- Obtained OTC/PDD approval and categorized the same in SFDC system based on senior management's approval.
- Formulated tranches for all partly disbursed cases via email and approved them through the SFDC system.
- Proactively followed-up with the sales team for all cases to ensure adherence to Turnaround Time (TAT).
- Maintained Login and Rejection MIS and distributed the same on a daily basis.
- Oversaw management of vendor bills and secured approvals from higher authorities.
Credit Manager
Utkarsh Small Finance Bank Limited
Thane
09.2021 - 02.2022
- Conduct tele & video personal discussions for all salaried and self-employed cases.
- Perform personal discussion visits for self-employed cases logged under the No Income Program (NIP).
- Determine customer's loan eligibility and prepare CAM note accordingly.
- Approve all cases via email and system after thorough due diligence and mitigating deviations.
- Attained Sanction or Approval rights for up to 30 Lacs with L3 deviation.
Credit Manager
Dewan Housing Finance Corporation Limited
Bhandup
01.2018 - 08.2021
- Conducting Personal Discussions (PD) for all salaried and self-employed cases.
- Preparing Credit Appraisal Memo (CAM) and making recommendations or sanctions in the DHFL system.
- Leading a team of 4 Credit Officers to assist Branch Credit Managers with data entry tasks.
- Making decisions on at least 7 salaried cases or 4 self-employed cases daily, either sanctioning or declining as per policy.
- Proactively following up with the sales team to expedite the processing of pending cases and maintain Turnaround Time (TAT).
- Exercising sanction or approval authority for loans up to 30 Lacs with L3 deviation.
Credit Manager
AAVAS Financiers Limited
Kalyan
06.2016 - 12.2017
- Managed a team of 3 disbursement officers, overseeing fresh logins, initial KYC checks, CIBIL generation, MIS maintenance, and vendor handling (valuers & lawyers).
- Prepared initial CAM-Profile and CAM-Excel sheet, ensuring comprehensive documentation and data accuracy.
- Conducted Tele PD for salaried customers and made office PD visits for self-employed customers, strengthening customer relations and facilitating smooth processing.
- Initiated case-related deviations in OMNI system for cases without issues, ensuring efficient case handling and processing.
- Recommended cases with critical issues to seniors via email, providing thorough justifications for necessary approvals.
- Held PD authority up to 20 lacs with sanction authority of up to 7 lacs in the OMNI system, demonstrating decision-making capabilities and adherence to guidelines.
- Resolved all queries raised at the disbursement level, ensuring smooth and uninterrupted operations.
Credit Executive
Shriram City Union Finance Limited
Bandra
02.2012 - 05.2015
- Supported all managers in preparing CAM for all BL & LAP cases.
- Updated and entered data for all cases in UNO system.
- Resolved any queries aroused right from sanction up to handover to operations department.
Education
PGDBM - Post Graduate Diploma in Business Administration
Prin. L. N. Welingkar Institute of Management Development & Research
Matunga, Mumbai 12.2021 - 12.2022
ADBA - Advance Diploma in Business Administration
Prin. L. N. Welingkar Institute of Management Development & Research
Matunga, Mumbai 12.2020 - 12/2021
B. Com. -
Mumbai University
KalyanH.S.C -
Mumbai University
KalyanS.S.C -
K. C. Gandhi Convent English High School
KalyanSkills
- Credit analysis
- Risk assessment
- Loan underwriting
- Financial documentation
- Team leadership
- Effective communication
- Credit risk assessment
- Underwriting expertise
- Cash flow analysis
- Credit evaluations
- Credit risk management
- Loan decision assessments
- Loan reviews
- Risk mitigation
- Credit reports
- Application review
Personal Information
- Date of Birth: 17-September-1988
- Nationality: Indian
- Marital Status: Married
Languages
- English - 100% Proficient
- Hindi - 100% Proficient
- Marathi - 100% Proficient
Hobbies and Interests
- Photography
- Trekking
- Travel
Disclaimer
I hereby declare that the information furnished above is correct to the best of my knowledge and belief.
Timeline
Area Credit Manager
Aditya Birla Housing Finance Limited
12.2022 - 11.2025
Credit Manager
IDFC FIRST Bank Limited
03.2022 - 09.2022
PGDBM - Post Graduate Diploma in Business Administration
Prin. L. N. Welingkar Institute of Management Development & Research
12.2021 - 12.2022
Credit Manager
Utkarsh Small Finance Bank Limited
09.2021 - 02.2022
ADBA - Advance Diploma in Business Administration
Prin. L. N. Welingkar Institute of Management Development & Research
12.2020 - 12/2021
Credit Manager
Dewan Housing Finance Corporation Limited
01.2018 - 08.2021
Credit Manager
AAVAS Financiers Limited
06.2016 - 12.2017
Credit Executive
Shriram City Union Finance Limited
02.2012 - 05.2015
B. Com. -
Mumbai University
H.S.C -
Mumbai University
S.S.C -
K. C. Gandhi Convent English High School