Yashovardhan Raghuwanshi
Udaipura
Summary
Proactive and detail-oriented Credit Manager at IDFC FIRST Bank, based in Indore, with demonstrated expertise in credit underwriting, risk evaluation, policy implementation, and portfolio oversight. Proficient in driving sustainable business growth while maintaining delinquency levels within prescribed thresholds. Holds a Postgraduate Diploma in Management from the Indian Institute of Forest Management, with a strong foundation in financial analysis and client relationship management.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Credit Manager (Mortgage)
IDFC First Bank
07.2021 - Current
- Underwrite secured and unsecured loan proposals in line with policy, ensuring SLA compliance and business volume targets.
- Conduct personal discussions to assess customer creditworthiness.
- Proactively manage early delinquencies through timely customer engagement.
- Ensure complete and verified credit/KYC documentation via calls, field visits, and collateral checks.
- Managed coordination with legal and technical vendors, ensuring smooth operations and timely delivery of inputs, along with analyzing legal and technical reports to support decision-making.
- Collaborate with sales to meet targets and maintain service standards.
- Enforce adherence to credit policies and regulatory norms.
- Partner with Collections to reduce credit losses and delinquencies by identifying and acting on risk trends.
- Approve credit proposals within authority limits; escalate others as per policy.
- Drive process improvements to enhance operational efficiency and customer experience.
- Handled preparation of state level MIS and team coordination for accurate and timely reporting.
- Serving as SPOC for MP for diverse processes and newly introduced policies, facilitating end-to-end coordination.
Business Manager (Home Loan & LAP)
L&T Financial Services
08.2019 - 09.2020
- Increasing B2B growth by identifying, engaging and on boarding new developers/builders.
- Managing End to End lifecycle of a case from onboarding customers to sanction and then ensuring timely disbursement of the cases.
- Improve market presence and conduct competitors' analysis in the home loan sector of Mumbai.
- Explored scope for business expansion by capturing untapped DSA and builders to generate additional volume of business.
- Managing customer queries pre and post disbursement.
- Helping the collection team to clear zero bucket and 1- 30th bucket cases.
- Sold company's third-party products - Life Insurance, Critical Care Insurance and Property Insurance with the home loan.
- Recognized as top three performer BM for achieving highest number of tagging in the fourth quarter of 2020.
Management Trainee
L&T Financial Services
05.2019 - 08.2019
- Assisted established management staff with operational oversight, business development and process improvement strategies across three different businesses i.e., Mutual Fund, Two-wheeler Finance and Farm Equipment Finance.
- Analysis workflow, market presence, competitor's analysis, challenges, and lever of performance on each business.
- Contributed to L&T mutual fund business by sourcing 16 SIPs and generating an incremental sum of Rs 23 Lakh in one month.
- Established relation with new two-wheeler dealerships and managed a team of 10 sales executives.
- Visited tractor dealership and implemented operational changes during training to reduce TAT.
Business Development Intern
KIWI Kisan Window
04.2019 - 06.2019
- Improving raw material product quality and reducing the price of it by bringing new suppliers on board.
- Making the supply chain more efficient by reducing prices at the level of packaging, transport of deliverables and their online retailing.
- Expanded KIWI's business in north India by empaneled with new distributors.
- Verifying and tallying sales account reflecting online business of KIWI.
- Received a letter of recommendation from the CEO of the company to work with them
Education
PGDFM/MBA - undefined
Indian Institute of Forest Management
01.2019
GRADUATION - undefined
Technocrats Institute of Technology
01.2016
XII - undefined
Vidya Mandir Higher Secondary School
01.2012
X - undefined
Vidya Mandir Higher Secondary School
01.2010
Skills
- MS Office Suite
- Credit and financial analysis
- Team collaboration
- Data interpretation
Certification
- Credit Power Certification level - 2 with Silver Grade conducted by CRISIL.
- Credit Power Certification level - 1 with Platinum Grade conducted by CRISIL.
- Winner of Rural Credit Quiz Championship 2025.
Personal Information
Date of Birth: 26th March 1994
Timeline
Credit Manager (Mortgage)
IDFC First Bank
07.2021 - Current
Business Manager (Home Loan & LAP)
L&T Financial Services
08.2019 - 09.2020
Management Trainee
L&T Financial Services
05.2019 - 08.2019
Business Development Intern
KIWI Kisan Window
04.2019 - 06.2019
PGDFM/MBA - undefined
Indian Institute of Forest Management
GRADUATION - undefined
Technocrats Institute of Technology
XII - undefined
Vidya Mandir Higher Secondary School
X - undefined
Vidya Mandir Higher Secondary School
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