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