Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
Work Availability
Timeline
Generic

Yogesh G Chunara

Vadodara

Summary

Seeking a challenging position as Senior Credit & Risk Officer (Scale III) where I can utilize 8+ years of experience in credit underwriting, risk assessment, portfolio monitoring, and regulatory compliance in retail and MSME lending.

Overview

11
11
years of professional experience

Work History

Credit Manager

Credit Saison India Pvt. Ltd.(Kisetsu saison)
06.2024 - Current
  • Managing LAP cases up to ₹5 Cr with end-to-end credit appraisal and sanctioning.
  • Ensuring policy compliance and portfolio risk management.
  • Negotiating payment solutions for delinquent customers.
  • Conducting detailed financial and credit analysis for lending decisions.
  • Managing clean credit portfolio in Indore, Ujjain, and Bhopal for the past year.

Credit Manager

Aditya Birla Finance
05.2023 - 06.2024
  • - Independently handled LAP and business loan underwriting for Baroda zone.
  • - Maintained loan book quality with
  • - Coordinated with FI, legal, valuation teams ensuring smooth disbursement.

Credit Manager

AU Small Finance Bank
04.2021 - 05.2022
  • - Sanctioned SME loans with analysis of financials and cash flows.
  • - Supported audit and compliance closure within defined TATs.
  • - Conducted credit field visits and credit appraisals using RLOS and BIMS.

Branch Credit Manager

Bajaj Finance Ltd.
05.2017 - 04.2021
  • - Promoted from Assistant Credit Manager to Branch Credit Manager.
  • - Handled underwriting of LAP, BL, and Mortgage Loans.
  • - Used Hotfoot, REVAMP, and Lentra tools for credit decisioning.
  • - Achieved 100% audit score with zero compliance deviations.

Financial Advisor

Janalakshmi Financial Services
10.2015 - 05.2017

Assistant Branch Head

Manappuram Finance Ltd.
05.2014 - 07.2015

Education

MBA - Finance

Suresh Gyan Vihar University
01.2021

Master of Commerce - Marketing

M.S. University Baroda
01.2013

Bachelor of Commerce - Accounting

M.S. University Baroda
01.2011

Skills

  • Credit Underwriting (LAP, Mortgage, Business Loans)
  • CAM Preparation and Financial Analysis
  • Credit Bureau Evaluation and Risk Assessment
  • Due Diligence – Legal, Technical, Valuation Coordination
  • Regulatory Compliance (RBI, IRAC Norms)
  • Tools: Salesforce, FinOne, RLOS, BIMS, Hotfoot, BPM
  • Fraud Detection, Risk Mitigation & Investigations
  • Team Mentoring, Training & Leadership

Accomplishments

  • - Kudos Award for exceptional handling of PLCS Credit during post-lockdown period.
  • - Promoted at Bajaj Finserv based on high performance.
  • - Consistently maintained portfolio with high-quality credit metrics

Languages

Gujarati (Native)
Hindi (Fluent)
English (Upper Intermediate)

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Credit Manager

Credit Saison India Pvt. Ltd.(Kisetsu saison)
06.2024 - Current

Credit Manager

Aditya Birla Finance
05.2023 - 06.2024

Credit Manager

AU Small Finance Bank
04.2021 - 05.2022

Branch Credit Manager

Bajaj Finance Ltd.
05.2017 - 04.2021

Financial Advisor

Janalakshmi Financial Services
10.2015 - 05.2017

Assistant Branch Head

Manappuram Finance Ltd.
05.2014 - 07.2015

MBA - Finance

Suresh Gyan Vihar University

Master of Commerce - Marketing

M.S. University Baroda

Bachelor of Commerce - Accounting

M.S. University Baroda
Yogesh G Chunara