TANMAY JAIN
Pune
Summary
Dynamic Regional Credit Manager with a proven track record at AU Small Finance Bank, excelling in credit analysis and team leadership. Recognized for enhancing portfolio quality and reducing delinquency rates through innovative strategies. Skilled in mentoring teams and fostering collaboration, driving organizational success while ensuring compliance with regulatory compliances.
Overview
14
14
years of professional experience
Work History
Regional Credit Manager
AU Small Finance Bank
PUNE
02.2024 - Current
- Monitor mortgage credit processing in Rest of Maharashtra region to facilitate prudent lending decisions in products of Home loan, Lap, Micro Business Loans.
- Evaluate client creditworthiness by analyzing financial statements, reports, and payment histories.
- Led a team of cluster credit managers, portfolio credit managers, credit managers, and credit officers to achieve departmental objectives.
- Implemented training programs on credit policies and procedures for newly recruited staff.
- Ensured adherence to regulatory standards while monitoring policy compliance.
- Oversaw collections of receivables, devising strategies to reduce delinquency rates.
- Compiled detailed reports on credit performance metrics for senior management review.
- Fostered collaboration with technical, legal, and operational teams to enhance risk management efforts.
- Evaluated individual team member's performance and provided constructive criticism when necessary.
- Established clear team goals aligned with company objectives, tracking progress regularly.
- Managed conflict resolution within the team to maintain a positive work environment.
- Held performance evaluation meetings to discuss key performance indicators and address areas needing improvement.
- Resolved customer complaints and issues promptly, ensuring high levels of satisfaction.
- Developed and monitored key performance indicators (KPIs) to assess team effectiveness.
- Implemented strategies for improving efficiency within the workplace environment.
- Led team by answering questions and solving complex problems daily.
- Oversaw training and development programs to enhance team skills and knowledge.
- Facilitated team meetings to discuss targets, strategies, and address any issues.
- Motivated team members through recognition programs
Cluster Credit Manager
AU Small Finance Bank
PUNE
02.2022 - 02.2024
- Driving a big team of both business and Credit for achieving organizational goals .
- Currently, we have a team size of over 30 team members reporting indirectly.
- Specialization in self-assessment cases with ticket size up to 5 cr.
- Closely monitoring the collection portfolio and building a good quality credit portfolio.
- TAT monitoring and timely processing of cases.
- Monitoring RBI-related compliance and hygiene activities (OTC, PDD, and END use monitoring, etc.).
- Products handed for self-construction cases, LAP (Mortgage Loan), Home Loan, and SME.
- Assist in compliance with the legal and technical teams for matters related to the mortgage of immovable properties.
- Monitoring the APF process and advising the team for easy and quick processing of the APF.
- Regular training for the Credit Team and also for new joining staff, as per HR requirements.
- Closely working with the business team in channel development, channel management, and regular training for the channels.
- Also, having good exposure in customer handling and retention of customers.
- Having a working knowledge of software like Rapid, R-los, Omni, Perfois, etc.
- Received top rating for FY 2022-2023.
- Received the Dronacharya Award for conducting regular training.
- Conducted training for the AU foundation, as well as for student development.
Area Manager- Credit
Aavas Financiers Ltd.
Pune
11.2018 - 01.2022
- Company Overview: Pune
- Specialization in loans for self construction cases / LAP (Mortgage Loan) / Home Loan / SME.
- Working for retail case for unauthorized and unapproved property funding.
- Funding in Red Zone, Grampanchyat, Sheti-na-vikas, and other Mix Zones like, Industrial + residence, Gunthewari, NATP, PMARD etc.
- Doing Self Assessment for Retail and Mfg business cases on actual basis.
- Effectively handling Underwriting and Risk Analysis for the customers of (Home Loan).
- Effectively handling Operations and Disbursement Process for the customers.
- Resolving issues on daily basis which arises before giving loan approvals with vendors and External Agencies.
- Also having good exposure in customer handling and retention of customer.
- Infant Monitoring of customer and collection Follow-up with customers.
- Pune
- Received Top rating of 5.
- Received 5 times Eagle eye Award Certificate for Fraud Savings.
- Branch qualified for Contest awards in MAR-19 and Mar-20.
Branch Credit Manager
Reliance Home Finance Ltd.
Pune
08.2017 - 11.2018
- Company Overview: Pune
- Effectively handling Underwriting and Risk Analysis for the customers of (Home Loan).
- Effectively handling underwriting and Risk analysis for the customers of Lap Loan.
- Constantly managing cases ranging from 50 lakhs to 5 crores.
- Pune
- Got good ratings.
- Rewarded with Europe Trip (Prague and Germany) on the basis of Performance done in month of JFM.
HDFC
07.2016 - 08.2017
- Effectively handling Underwriting.
- Effectively handling underwriting.
- Constantly managing cases ranging.
- Complying with Legal & technical matters.
- Got promoted from Personal Loans to.
- Actively working as a Team.
Head- Accounts & Finance
Kings Electronics Pvt. Ltd.
Mumbai
09.2014 - 01.2016
- Company Overview: Mumbai
- Independently handled all departmental hearings for various matters related Service Tax, Income Tax, Service.
- Proficiently prepared & Finalized Balance Sheet, Profit & Loss Statement.
- Meeting with Bank Authorities to meet the requirements of finance of the Company.
- Advising the board on various finance related matters.
- Effectively managed a team of 30 people during my tenure.
- Actively worked to improve the financial ratios of the Company.
- Mumbai
- Minimized Fraud & risk in the.
- Saved cost of the company by.
03.2011 - 03.2014
- Adequately handled day-to-day accounting transactions of the Company.
- Gained knowledge of filing TDS.
- Preparation of various kinds of reports as required by the management of the Company.
- Expert in handling all kinds of Banking related transactions.
- Preparing necessary documentation for financial transactions.
Education
CS -
Institute of Company Secretary of India
01.2013
CA Intermediate -
Institute of Chartered Accountants of India
01.2012
B.Com -
DAVV University
01.2009
Skills
- Intuitive thinking
- Active listening
- Negotiation skills
- Innovative solutions
- Collaboration
- Effective communication
- Credit analysis
- Risk assessment
- Team leadership
- Portfolio management
- Customer retention strategies
- Adaptability
- Decision-making
- Multitasking
- Mentoring and training
- Performance monitoring
- Credit policy knowledge
- Credit risk management
Extracurricular Activities
Participate in all organizational activities, like quizzes, sports, and cultural activities, and have given many outstanding performances in dance and sports
Languages
- Hindi
- Marathi
- English
Personal Information
Date of Birth: 16/02/1989
Languages
English
First Language
Hindi
Advanced (C1)
C1
Marathi
Intermediate (B1)
B1
References
References available upon request.
Timeline
Regional Credit Manager
AU Small Finance Bank
02.2024 - Current
Cluster Credit Manager
AU Small Finance Bank
02.2022 - 02.2024
Area Manager- Credit
Aavas Financiers Ltd.
11.2018 - 01.2022
Branch Credit Manager
Reliance Home Finance Ltd.
08.2017 - 11.2018
HDFC
07.2016 - 08.2017
Head- Accounts & Finance
Kings Electronics Pvt. Ltd.
09.2014 - 01.2016
03.2011 - 03.2014
CS -
Institute of Company Secretary of India
CA Intermediate -
Institute of Chartered Accountants of India
B.Com -
DAVV University
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