Shubham Swetank
Branch Credit Operations Manager
Ranchi
Summary
Experienced with credit risk assessment, financial analysis. Utilizes strategic planning to enhance operational efficiency and client satisfaction. Strong understanding of regulatory compliance and credit policy development.
Overview
3
3
years of professional experience
2
2
Certifications
2
2
Languages
Work History
Branch Credit Operations Manager
Cholamandalam Investment & Finance Company
12.2024 - Current
- Streamlined workflow systems within the department by introducing automation tools that led to increased accuracy and time-saving efficiencies.
- Developed and maintained comprehensive credit reporting systems, ensuring timely and accurate delivery of information to senior management.
- Negotiated favorable terms with vendors and service providers, reducing overall operational costs without compromising quality or effectiveness.
- Collaborated with sales teams to design customized financing solutions tailored to client needs while maintaining acceptable risk levels.
Credit Manager
AU Small Finance Bank
06.2022 - 12.2024
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Ensure all lending procedures comply with regulations.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Work closely with sales and customer service teams to ensure efficient and effective credit management.
Education
Master of Business Administration - Finance And Marketing
Birla Institute of Technology, Ranchi
04.2001 -
Bachelor of Commerce - Accounts (Honours)
Marwari College, Ranchi
04.2001 -
Skills
- Accounting Principles
- Sound decision-making
- Financial Analysis and Risk Management
- Portfolio management
- Data Analysis and Interpretation
Certification
Online training programmer on Fundamentals Derivatives with introduction of Capital Market, NSE Academy, 2020
Timeline
Branch Credit Operations Manager
Cholamandalam Investment & Finance Company
12.2024 - Current
Credit Manager
AU Small Finance Bank
06.2022 - 12.2024
Master of Business Administration - Finance And Marketing
Birla Institute of Technology, Ranchi
04.2001 -
Bachelor of Commerce - Accounts (Honours)
Marwari College, Ranchi
04.2001 -