Siddharth Mohan
Ghaziabad
Summary
Looking for a challenging opportunity to gain valuable exposure to financial practices and explore my skill sets and knowledge, to effectively delivered assigned responsibilities. Seasoned Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Credit Manager
Piramal Housing Finance Limited
Noida
09.2022 - Current
- Analyzed and authorized loans for businesses with capital requirements of up to 30 lakhs.
- Conducted detailed analysis of CIBIL, banking, and other business information.
- Conducted personal consultations with clients to gain insight into their respective industries.
- Devised learning modules to facilitate understanding of organizational processes and policies for the CPA team.
- Managed weekly and monthly productivity MIS.
- Maintained a high-quality portfolio through regular monitoring of delinquencies.
- Coordinated sales team efforts to meet deadlines and exceed targets.
- Managed the IT-driven L2-level policy upgradation for seamless system migration between SDFC and Credit Central.
Management Trainee- Credit
Shubham Housing Development Finance Co. Ltd.
05.2019 - 05.2020
- Assessment of Creditworthiness and Appraisal of Loan Application
- Initiation of Collateral Valuation & Investigation
- Disbursement Initiation
- Login, Loan Application Movement
- Suspicious transaction reporting to internal audit as per RCU guidelines
- Activities related to Handling, Deposition and MIS.
Credit Manager
Shubham Housing Development Finance Co Limited
- Assessment of credit worthiness and appraisal of loan application
- Income assessment of self employed profile in informal income segment
- Resolving customer queries in person or over phone call
- Help desk queries regarding loan and rejection and cibil
- Disbursement Initiation and Coordinating between Centralized Ops - Branch Sales team for smoother cheque release Login, Loan Application Movement, Detailed Date Entry and Collateral Detail Updating in FinnOne Process Optimization by Streamlining Activities from Login to Cheque Release to Reduce TAT Suspicious transaction reporting to internal audit as per RCU guidelines Cash Management, Activities related to Handling, Deposition and MIS
Education
PGDM- Finance -
ITS, Ghaziabad
01.2019
Bachelor of Commerce -
Delhi University
01.2016
Class 12th -
Mayo International, CBSE Board
01.2011
Skills
- Underwriting business loan applications
- Analyzing CIBIL, banking & other business details
- Personal discussion with customers to understand their business
- Conducting training sessions with CPA team
- Managing weekly & monthly productivity MIS
- Monitoring delinquencies to manage quality of portfolio
- Coordinating with sales team to achieve targets
- Leading l2 level policy level upgradation with IT for system migration
- Assessment of creditworthiness and appraisal of loan applications
- Income assessment of self-employed profiles in informal income segment
- Resolving customer queries
- Help desk queries regarding loan and rejection and CIBIL
- Disbursement initiation and coordinating between centralized ops and branch sales team
- Login, loan application movement, detailed data entry, and collateral detail updating in FinnOne
- Process optimization by streamlining activities from login to cheque release to reduce TAT
- Suspicious transaction reporting to internal audit as per RCU guidelines
- Cash management and activities related to handling, deposition, and MIS
- Initiation of collateral valuation and investigation
- Experience in taxation, VAT, GST, excise, and service tax
- Computer skills: MS Word, MS Excel, and PowerPoint
- Accounting skills: Tally, Accounting, and Busy
Certification
- Certified Industrial Accounting Course (12months) from Institute of Certified Accountant
- Refresher Course on GST organized by ICAI (36 hrs of Webcast)
Accomplishments
- All India Topper in achieving highest productivity for 2 consecutive months.
- Rewarded as best employer across all CPU.
- 1st Prize in Trade Hunt Competition organized by IB-CLUB, Sep 2017 (ITS, Ghaziabad)
- 2nd Prize in T-Shirt Design Contest organized by Marketing Club, 2017 (ITS, Ghaziabad)
- 2nd Prize in Out-Wit Competition organized by Marketing Club, 2017 (ITS, Ghaziabad)
- Participated in Corporanths Competition organized by HR Club, 2017 (ITS, Ghaziabad)
- Member of Finance Club at ITS, Ghaziabad
- Organized Union Budget Analysis, 2018 along with the Members of Finance Club at ITS
- 2nd Prize in the College Round of Stock MIND Season 6 (2017-18) organized by ICICI Direct.
Industrial Visits
- Visited Emirates Water Plant, Fujairah and explored Dubai and Abu Dhabi during one week long International Trip to UAE in November, 2017.
- Visited Yamaha India Motor Pvt. Ltd, Noida (2017).
Internship
Finance Department, Globe Capital Pvt. Ltd., 05/02/18, 07/02/18, 8 weeks, Open Demat account & Business development
Personal Information
- Father's Name: Mr. Sunil Mohan
- Date of Birth: 12/29/92
Hobbies and Interests
- Reading Books
- Sports
- Listening to music
Timeline
Credit Manager
Piramal Housing Finance Limited
09.2022 - Current
Management Trainee- Credit
Shubham Housing Development Finance Co. Ltd.
05.2019 - 05.2020
Credit Manager
Shubham Housing Development Finance Co Limited
PGDM- Finance -
ITS, Ghaziabad
Bachelor of Commerce -
Delhi University
Class 12th -
Mayo International, CBSE Board
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