Vikas Jain
Indore
Summary
Detail-oriented Credit Underwriter with 8+ years in risk management and vendor oversight. Skilled in loan processing, document scrutiny, and proposal assessment. Developed streamlined processes that enhance delivery efficiency and customer satisfaction, while fostering collaboration and team motivation for optimal output.
Overview
9
9
years of professional experience
Work History
Regional Credit Manager
Aditya Birla Housing Finance Ltd
Indore
09.2026 - Current
- Exercised delegated sanctioning authority of up to ₹5 Crores, evaluating complex credit proposals for both salaried and self-employed (SENP) customers while ensuring adherence to policy and risk frameworks.
- Identified, evaluated, and mitigated credit, operational, legal, and fraud risks across the mortgage portfolio, ensuring prudent lending decisions and sustainable asset quality.
- Conducted detailed credit assessments, personal discussions (PDs), site inspections, and business visits for high-value mortgage cases, providing comprehensive recommendations to Zonal and Higher Credit Committees.
- Managed end-to-end regional credit processing and underwriting for home loan and mortgage products across 8+ branches supporting a business portfolio exceeding ₹ 100 Crores.
- Monitored portfolio quality through regular analysis of delinquency trends, cheque bounce rates, collection performance, and Early Warning Signals (EWS), maintaining Gross NPA levels within organizational targets.
- Enhanced regional turnaround time (TAT) by 10 days through implementation of digital workflows, process automation, and paperless tracking from login to disbursement.
- Contributed to profitable business growth by balancing credit expansion objectives with disciplined risk controls and portfolio quality management.
Area Credit Manager
Aditya Birla Housing Finance Ltd
Indore
12.2022 - 08.2026
- Managed entire credit process from login to disbursal within turnaround time.
- Maintained high portfolio quality standards and controlled delinquency rates.
- Managed the credit process from login to disbursal within the turnaround time.
- Implementation of credit policy and adherence of Various Compliance.
- Built and managed quality portfolio through effective credit strategies.
- Credit appraisal of home loan and Loan against Property loan.
- Facilitated team-building activities to enhance collaboration and morale among team members.
- Monitoring OTC and PDD.
- Oversaw the monitoring of over-the-counter transactions and payment due dates to ensure compliance and accuracy.
Portfolio Credit Manager
AU Small Finance Bank
Indore
04.2021 - 12.2022
- Handled multiple products including LAP Salaried and SBL to optimize portfolio performance.
- Managed team of 10 credit resources (CPA & BCM) to enhance credit assessment processes.
- Managed portfolio by controlling delinquent cases and monitoring early warning signals to mitigate risk.
- Vendor Management (CPV, Legal, Technical, FCU, BSV).
- Handling multiple products like LAP Salaried, and SBL.
Credit Manager
Blue Jay Finlease Limited (ZIPLOAN)
Indore
12.2017 - 03.2021
- Handling Co – Lending business (IBL, IDFC, Ugro, and Incred) on the basis of sound judgment and partner policies.
- Led CPA team in implementing new KYC policy and RBI guidelines to ensure compliance.
- Managed the personal development team by overseeing their activities and providing guidance.
- Portfolio quality Management by control of the delinquent case and early warning signals.
- Visit customer business place for personal discussion for better understanding of profile.
- Preparation of MIS on daily basis and weekly review report.
- CAM and FA preparation.
- Prepared credit approval memos and financial analyses to support loan decisions.
- Sanctioned loans within established TAT through effective coordination with sales, third-party vendors, and operations team.
- Preparation of MIS on a daily basis and weekly review report.
- Provided input to higher management based on customer reviews and credit environment in the city/branch.
- Visit on customer business place for personal discussion for better understanding of profile.
- Interact with DSA and DST team on a monthly basis to work on FTR/FTNR file and guide on KYC policy.
- Assessing third-party vendors for TPV, FCU, Banking Preparation, etc.
Education
MBA - Finance & HR
DR. A P J ABDUL KALAM UNIVERSITY
IndoreBCOM -
DAVV
CA FINAL GR. I -
ICAI
CA IPCC GR. II -
ICAI
CA IPCC GR. I -
ICAI
Skills
- Loan processing
- Credit analysis
- Credit Underwriting
- Risk Management
- Data Visualization
- MIS Reporting
- MS Office Suite
- Team Management
- Windows XP - OS
Languages
- Hindi
- English
Article Ship Experience
3 Years, Mahavir M Jain & Associates, Chartered Accountant, M.Mehta & Co., Chartered Accountant, Handled Statutory Audit and Internal Audit of the SAIL, Indore Steel & Iron Mills Ltd., Oswal Computer Consultancy Pvt. Ltd, and S Kumar Ltd (Dewas & Pithampur), Bright Autoplast Limited respectively., Extensive Article ship experience in the Banking Audit (Statutory, Concurrent, Internal) of Bhopal Cooperative bank, Karur Vysas Bank.
Personal Information
- Total Experience: 8+ years
- Date of Birth: 06/05/92
- Nationality: Indian
- Marital Status: Married
Awards
- Spark Award for the Portfolio and Delinquency management, 04/01/20 - 06/30/20
- Best Credit Underwriter of the Financial year End, 01/01/20 - 03/31/20
- Best Credit Underwriter and Trainer for the New location Mumbai, 09/01/19 - 12/31/19
- Best Employee Award, 03/01/18
Hobbies and Interests
- Riding
- Travelling
- Watching Web Series
Timeline
Regional Credit Manager
Aditya Birla Housing Finance Ltd
09.2026 - Current
Area Credit Manager
Aditya Birla Housing Finance Ltd
12.2022 - 08.2026
Portfolio Credit Manager
AU Small Finance Bank
04.2021 - 12.2022
Credit Manager
Blue Jay Finlease Limited (ZIPLOAN)
12.2017 - 03.2021
MBA - Finance & HR
DR. A P J ABDUL KALAM UNIVERSITY
BCOM -
DAVV
CA FINAL GR. I -
ICAI
CA IPCC GR. II -
ICAI
CA IPCC GR. I -
ICAI