Excel
Shobhit Rajvanshi
Area Credit Manager
Jaipur,RAJASTHAN
Summary
Patient Credit Manager possessing vast understanding of credit reporting agencies and in-depth knowledge of job-related software, including Finnone and APS. Bringing 10-year background managing credit files, analyzing credit applications and monitoring credit reviews. Comfortable working in team-setting and using logical approaches to find best solutions to complex problems.
Overview
9
9
years of professional experience
1
1
Language
Work History
Area Portfolio Manager
ICICI Home Finance Company
Jaipur, Rajasthan
09.2022 - Current
- Skilled at working independently and collaboratively in a team environment.
- Self-motivated, with a strong sense of personal responsibility.
- Proven ability to learn quickly and adapt to new situations.
- Worked well in a team setting, providing support and guidance.
- Worked effectively in fast-paced environments.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Managed time efficiently in order to complete all tasks within deadlines.
- Made approval and denial recommendations by determining accurate risk levels.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Built strong relationships with lenders, brokers and clients for constructive communications.
Territory Portfolio Manager
ICICI housing finance Ltd
Jaipur
12.2018 - Current
- Credit Appraisal of housing Loans/LAP Completion of Documents in the Loan File for sanction of Loans
- Ensure all credit operations processes are initiated and completed in a timely fashion
- Support the branch team seamlessly in achieving the customer TAT
- Cross check the documents submitted by the customer processing of the loan applications examination of the financial documents and creditability of the customer Preparation of the credit memo for decision making Personal discussion with customer, visit customer’s site/business Approval of individual loan application basis sound judgment on the data provided
- Ensure post approval documentation is accurate
- Ensure file is complete before disbursal
- Support the branch manager with quality pre-emptive checks to control fraudulent files going through the system
- Provide timely training of staff in the branch who handles key credit operations processes
- Management of credit bureau relations and outsourced verification by legal, technical and contractual profile vendor
- Helps management to design product based on credit history and market condition
- Used Microsoft Word and other software tools to create documents and other communications.
- Worked flexible hours across night, weekend and holiday shifts.
- Learned new skills and applied to daily tasks to improve efficiency and productivity.
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
- Worked to maintain outstanding attendance record, consistently arriving to work ready to start immediately.
Credit Manager
Aditya Birla Affordable housing finance Ltd
12.2017 - 12.2018
- Prepared variety of different written communications, reports and documents.
- Worked with customers to understand needs and provide excellent service.
- Conducted research, gathered information from multiple sources and presented results.
- Worked flexible hours across night, weekend and holiday shifts.
Au, Credit Manager
AAVAS FINANCIERS LIMITED
08.2016 - 12.2017
- Performed diagnostic and troubleshooting procedures to find and identify root causes of mechanical issues.
- Troubleshot and diagnosed faults with vehicle systems and components using OEM-specific code readers, diagnostic trees and online knowledge bases.
- Completed customer orders and warranty services according to manufacturer specifications.
- Oversaw reporting, documentation and recordkeeping requirements for department.
Credit & Ops Incharge
Cholamandlam Finance Company Ltd
10.2014 - 07.2016
- Assessed credit risk and analyzed financial statements.
- Conducted presentations to upper management and executive teams for loan recommendations.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
MBA Trainee
Vipul Motors Pvt. Ltd, Shriram Transport Finance Company Ltd
- Exceeded goals through effective task prioritization and great work ethic.
- Used Microsoft Word and other software tools to create documents and other communications.
- Developed and maintained courteous and effective working relationships.
- Devoted special emphasis to punctuality and worked to maintain outstanding attendance record.
Education
MBA -
Mahatma Jyoti Rao Phoole University
Jaipur05-2012
B.COM - Finance
University of Kota
Kota12th -
Kendriya Vidyalaya
10th -
Rajasthan Board
Skills
- Policies and procedures
- Staff Management
- Strategic planning
- Business planning
- Business administration
- Key Performance Indicators
- Job inspections
- Quality Assurance
- Risk Management
- Data Analysis
Software
Timeline
Area Portfolio Manager
ICICI Home Finance Company
09.2022 - Current
Territory Portfolio Manager
ICICI housing finance Ltd
12.2018 - Current
Credit Manager
Aditya Birla Affordable housing finance Ltd
12.2017 - 12.2018
Au, Credit Manager
AAVAS FINANCIERS LIMITED
08.2016 - 12.2017
Credit & Ops Incharge
Cholamandlam Finance Company Ltd
10.2014 - 07.2016
MBA -
Mahatma Jyoti Rao Phoole University
B.COM - Finance
University of Kota
12th -
Kendriya Vidyalaya
10th -
Rajasthan Board
MBA Trainee
Vipul Motors Pvt. Ltd, Shriram Transport Finance Company Ltd
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