Lasersoft
Virendra Kumar Verma
Kanpur
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
8
8
years of professional experience
6
6
years of post-secondary education
Work History
Branch Credit Manager
Aavas Financiers Ltd
1 2023 - Current
- Managed multiple branches ( Kanpur, Kanpur Shivli road branch, Fatehpur, Unnao)
- Have sanction authority till 10 lacs cases.
- Handle team of 5 credit officers.
- Credit Underwriting , financial Assessments.
- Legal & Technical clearance.
- Reviewed and analyzed loan procedures.
- Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.
- Attended ongoing professional training to facilitate accurate and productive credit management.
Branch Credit Manager
SBFC Finance Ltd
06.2022 - 01.2023
- Managed multiple branches, Kanpur, Unnao, Akbarpur.
- Had sanction authority till 7 lacs cases.
- Handle team of 3 credit officers.
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
- Credit Underwriting and decision of cases
- Maintaining TAT from sanction to disbursement.
Credit Officer
Ujjivan Small Finance Bank
08.2021 - 05.2022
- Responsibility to managed multiple branches, - Swaroop nagar, Kidwai nagar branch Kanpur location.
- Monitored client abilities and account information to determine appropriate credit approval decisions.
- Referred delinquent accounts to collections department or outside resources.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Monitored accounts for signs of fraud and non-payment issues.
Credit Analyst
Tata Capital Housing Finance Ltd (CBSL)
08.2017 - 08.2021
- MIS management,
- CAM preparation,
- Disbursement process, Disbursement Memo processing.
Credit Analyst
Axis Bank
02.2016 - 08.2017
- MIS Management, Legal & Technical report follow up, Basic CAM preparation.
- Bank statement analysis preparation. Disbursement Memo preparation, overall perform as maker in disbursement process.
Education
GED -
C.S.J.M University Kanpur
Kanpur Nagar 07.2011 - 07.2014
High School Diploma -
Kanpur Publics Inter College
Kanpur 07.2006 - 07.2007
Intermediate
Kanpur Public Inter College
Kanpur 07.2008 - 07.2009
Finance
Masters in Business Administration
Online 07.2023 - Current
Skills
Loan Underwriting
Credit analysis
Sales Strategies
Credit Scoring
Credit Reports
Fraud understanding
Financial Forecasting
Application processing
Risk Assessment
Software
Finnone
Salesforce
Timeline
Finance
Masters in Business Administration
07.2023 - Current
Branch Credit Manager
SBFC Finance Ltd
06.2022 - 01.2023
Credit Officer
Ujjivan Small Finance Bank
08.2021 - 05.2022
Credit Analyst
Tata Capital Housing Finance Ltd (CBSL)
08.2017 - 08.2021
Credit Analyst
Axis Bank
02.2016 - 08.2017
GED -
C.S.J.M University Kanpur
07.2011 - 07.2014
Intermediate
Kanpur Public Inter College
07.2008 - 07.2009
High School Diploma -
Kanpur Publics Inter College
07.2006 - 07.2007
Branch Credit Manager
Aavas Financiers Ltd
1 2023 - Current