Vivek Soni
Credit Management
Banswara,Rajasthan
Summary
To enhance my working capabilities, professional skills and knowledge to serve my organization dedicatedly with sheer determination and commitment. Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Overview
11
11
years of professional experience
Work History
Branch Credit Manager
Capri Global Capital Limited
03.2023 - Current
- Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.
- Enhanced branch profitability by optimizing the credit portfolio mix and mitigating potential risks within lending activities.
- Reviewed and approved large credit applications, exercising sound judgment in line with company policies and risk appetite.
- Wrote reports detailing branch activities.
Credit Officer Home Loan
Au Small Finance Bank
08.2021 - 02.2023
- Developed key relationships with clients, providing exceptional service and fostering long-term partnerships.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Organized and finalized loan applications for underwriter review.
- File login to disbursement process.
Executive - Cashier
Aavas Housing Financiers Ltd.
05.2017 - 07.2021
- Counted money in cash drawers at beginning and end of shifts to maintain accuracy.
- Welcomed customers and helped determine their needs.
- Maintained a balanced cash drawer, ensuring accurate accounting at the end of each shift.
- Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.
Software support & Computer operator
The Banswara Central co-operative Bank
11.2013 - 04.2016
- Generated reports covering details about data, system operation, and error monitoring.
- Maintained a high level of accuracy in data entry tasks, resulting in improved overall data quality.
- Maintained spreadsheets of data across multiple systems.
- Reacted calmly during times of highly stressed or emergency situations.
Data Entry Operator
The Banswara Central Co-operative Bank
- 11.2013
Data Entry Operator
AIRTEL SPOKE
- 07.2013
Education
Master Of Business Administration - Finance
Jaipur National University
Jaipur2021
B Com - Accounting
Govind Guru College
Banswara2015
12th - Agriculture
Sr Secondary School Talwara
Talwara2010
Skills
Good Underwriting skills, Credit underwriting skills, General Computer Operations, Internet, Knowledge of WINDOWS 98/XP/7/8
Personal Information
- Father's Name: Mr. Mahesh Chandra Soni
- Date of Birth: 03/20/94
- Gender: Male
- Nationality: Indian
Education
RBSE-2008, Pass, RBSE-2010, Agriculture, Pass, B.com MLSU University Banswara, Pass, JNU Jaipur (Distance)
Confirmation
I hereby declare that the above stated information is true and correct to the best of knowledge and belief.
Timeline
Branch Credit Manager
Capri Global Capital Limited
03.2023 - Current
Credit Officer Home Loan
Au Small Finance Bank
08.2021 - 02.2023
Executive - Cashier
Aavas Housing Financiers Ltd.
05.2017 - 07.2021
Software support & Computer operator
The Banswara Central co-operative Bank
11.2013 - 04.2016
Master Of Business Administration - Finance
Jaipur National University
B Com - Accounting
Govind Guru College
12th - Agriculture
Sr Secondary School Talwara
Data Entry Operator
The Banswara Central Co-operative Bank
- 11.2013
Data Entry Operator
AIRTEL SPOKE
- 07.2013
Similar Profiles
ROHIT KUMARROHIT KUMAR
Assistant Branch Manager at Capri Global Capital LimitedAssistant Branch Manager at Capri Global Capital Limited
SATYAM CHATURVEDISATYAM CHATURVEDI
Branch Manager at Capri Global Capital LimitedBranch Manager at Capri Global Capital Limited
TRUPTI GUHATRUPTI GUHA
Director- Group Legal at Girnar Software Private Limited (CarDekho)Director- Group Legal at Girnar Software Private Limited (CarDekho)