YOGESH GUPTA
CREDIT MANAGER
Summary
Dynamic Credit Manager with a proven track record at HDFC Bank Limited, excelling in credit analysis and risk assessment. Enhanced credit risk management through innovative underwriting policies, resulting in improved loan feasibility. Skilled in performance improvements and adept at fostering strong client relationships, ensuring informed decision-making in credit approvals.
Overview
8
8
years of professional experience
2
2
Languages
Work History
Credit Manager
HDFC Bank Limited
01.2022 - Current
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
Credit Analyst
BAJAJ FINANCE LIMITED
07.2017 - 12.2021
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Gathered loan documentation for underwriting.
Education
MBA - FINANCE AND MARKETING
Dr. C.v. Raman University
Bilaspur, India 04.2001 -
M.COM - FINANCE AND COMMERCE
Dr. Bhimrao Ambedkar University
Agra, India 04.2001 -
Skills
Credit analysis
Performance improvements
Credit reports
Risk analysis
Timeline
Credit Manager
HDFC Bank Limited
01.2022 - Current
Credit Analyst
BAJAJ FINANCE LIMITED
07.2017 - 12.2021
MBA - FINANCE AND MARKETING
Dr. C.v. Raman University
04.2001 -
M.COM - FINANCE AND COMMERCE
Dr. Bhimrao Ambedkar University
04.2001 -
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