Shreekant Gaur
Jaipur
Summary
Dynamic Regional Credit Manager with extensive experience in BFSI, excelling in credit underwriting and portfolio management. Proven track record in building quality portfolios, while leading teams to enhance compliance and risk assessment. Strong communicator dedicated to achieving exceptional results through effective team leadership.
Overview
15
15
years of professional experience
Work History
Regional Credit Manager
L & T Finance Limited
03.2024 - Current
- Oversaw credit underwriting for HL, LAP, and SME sectors in Rajasthan.
- Led team of eight CMs to enhance portfolio quality and reduce delinquency rates.
- Approval authority for secured loans up to INR 2 Cr and INR 35 Lakhs for SME proposals.
- Ensured strict compliance with credit delegation authority throughout the team.
- Streamlined loan application processes to meet turnaround objectives while maintaining quality.
- Conducted training sessions on credit scrutiny practices and policy updates for CMs.
- Collaborated with cross-functional teams to achieve strategic goals effectively.
- Accompanied business team on sourcing visits to assess patterns and analyze portfolio behavior.
Area Credit Manager
RBL Bank Limited
Jaipur
11.2021 - 03.2024
- Managed credit underwriting for LAP and Micro LAP proposals in Jaipur location.
- Developed strong knowledge of collateral types in Rajasthan, focusing on legal and technical aspects.
- Achieved zero NPA by constructing a quality portfolio.
- Conducted policy and process training for business teams and channel partners.
- Oversaw vendor management, MIS reporting, and DSA visits to enhance operational efficiency.
- Coordinated with internal audit team to ensure compliance and risk mitigation.
Senior Manager
Axis Bank Limited
Jaipur
07.2021 - 10.2021
- Executed underwriting for home loan and LAP cases independently at Jaipur South CPC.
- Managed vendor relations, ensuring compliance with standards and timelines.
- Coordinated with internal audit team to streamline processes and improve efficiency.
- Oversaw management information systems (MIS) reporting for accurate data tracking.
Senior Credit Manager
Fullerton India Credit Company Limited
Jaipur
02.2019 - 07.2021
- Managed Mortgage-LAP portfolio for Jaipur location, achieving high performance metrics.
- Conducted in-depth analysis of proposals, incorporating quantitative and qualitative assessments.
- Performed ratio, banking, and risk analyses to inform decision-making processes.
- Engaged with clients and factories through personal discussions to strengthen relationships.
- Implemented credit policy and evaluated adherence to compliance with Authority Matrix.
- Interacted regularly with stakeholders including DSA, lawyers, valuators, and high-value customers.
- Managed daily and monthly MIS reports for senior management review.
- Trained team consistently to enhance delivery capabilities and operational efficiency.
Area Credit Manager
Bajaj Finance Ltd & Bajaj Housing Finance Ltd
Surat & Jaipur
09.2014 - 01.2019
- Managed business loans, home loans, and loan against property portfolios for Surat and Jaipur regions.
- Conducted comprehensive assessments of borrowers’ business models, including revenue streams and competition.
- Performed financial and non-financial credit risk evaluations to inform lending decisions.
- Implemented policies and followed up with delinquent borrowers to minimize risk exposure.
- Prepared detailed credit assessment notes analyzing business, industry, management, and financial performance.
- Reviewed credit approval memos and site visit reports for regulatory compliance.
- Granted loan approval authority for amounts up to Rs.75 Lacs for secured loans and Rs.20 Lacs for unsecured loans.
Banthia Consultancy Services
Surat
01.2014 - 08.2014
- Financial & Non- Financial assessment of a borrower for Project financing. Especially for textile manufacturing industry of Surat, Gujarat.
- Preparation of CMA Data and Projection. Liaisoning between Bank and Borrower.
CA Article ship
CM Marfatia & Company
Surat
07.2011 - 08.2013
CA Article ship
Natvarlal Vepari & Company
Surat
08.2010 - 06.2011
Education
CA Final - Surat, Gujarat
ICAI
Surat, Gujarat05.2013
B.Com - Ajmer
MDS University
Ajmer03.2012
XII Std. - Kuchaman City
Rajasthan Board
Kuchaman City03.2008
X Std. -
Rajasthan Board
03.2006
Skills
- Credit underwriting
- Portfolio management
- Risk assessment
- Compliance monitoring
- Team leadership
- Effective communication
Accomplishments
- Participated in CRISIL’s training programmes on SME Credit Risk Analysis level 1, level 2 and working capital module.
- Got promoted in Bajaj Finance from Credit Manager to Area Credit Manager in 12/15.
- Got promoted in Bajaj Finance from Area Credit Manager to Cluster Manager in 01/18.
- Awarded with Star of the month in 06/18 for managing Jaipur location with single resource.
- Recognized for identifying fraud cases in the month of 05/19.
- Recognized with FIRE (Fullerton India Recognition of Excellence) award in the month of 10/19 & 09/20.
Languages
- English
- Hindi
Personal Information
- Date of birth: 03/12/922
- Marital Status: Married
Timeline
Regional Credit Manager
L & T Finance Limited
03.2024 - Current
Area Credit Manager
RBL Bank Limited
11.2021 - 03.2024
Senior Manager
Axis Bank Limited
07.2021 - 10.2021
Senior Credit Manager
Fullerton India Credit Company Limited
02.2019 - 07.2021
Area Credit Manager
Bajaj Finance Ltd & Bajaj Housing Finance Ltd
09.2014 - 01.2019
Banthia Consultancy Services
01.2014 - 08.2014
CA Article ship
CM Marfatia & Company
07.2011 - 08.2013
CA Article ship
Natvarlal Vepari & Company
08.2010 - 06.2011
CA Final - Surat, Gujarat
ICAI
B.Com - Ajmer
MDS University
XII Std. - Kuchaman City
Rajasthan Board
X Std. -
Rajasthan Board
Similar Profiles
Sanjay KumarSanjay Kumar
Field Loan Officer at L & T FINANCE LIMITEDField Loan Officer at L & T FINANCE LIMITED
R PRADEEP KUMARR PRADEEP KUMAR
Business Manager at L & T Finance LimitedBusiness Manager at L & T Finance Limited
Azhar ShaikhAzhar Shaikh
Credit Manager at Tata Capital Limited (Tata Motors Finance Limited Merged with Tata Capital Limited)Credit Manager at Tata Capital Limited (Tata Motors Finance Limited Merged with Tata Capital Limited)
Kriti PrasadKriti Prasad
Financial Reporting Intern at DMI FinanceFinancial Reporting Intern at DMI Finance
Aanchal MathurAanchal Mathur
Manager at SS&C GlobeOpManager at SS&C GlobeOp