Yogesh G Chunara
Vadodara
Summary
- Patient Credit Manager possessing vast understanding of credit reporting agencies and in-depth knowledge of job-related software, including Salesforce and Fin one, RLOS, HOTFOOT, BIMS Bringing 06 years background managing credit files, analyzing credit applications and monitoring credit reviews. Comfortable working in team-setting and using logical approaches to find best solutions to complex problems.
- Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
- Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 08 years of financial industry expertise.
- Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Credit Manager
Aditya Birla Finance
05.2022 - Current
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Credit assessment and analysis of financial statements of borrower/s involved in loan proposal and Understating customer profile and business model of borrower/s.
- Minimizing the risk involved in the proposal through sufficient mitigates and collaterals. & Underwriting and credit assessment of LAP and Mortgage Loan and also taking care of Business Loan Proposals. Create and maintain quality portfolio and ensuring underwriting standards, policy and due diligence.
- Interact with customers to obtain credit information to support credit Appraisal. Monitoring vendors Like Field Investigating agencies, Valuation & Legal agencies for Mortgage loans and maintaining TAT.
- Manage multiple tasks involved in profile with respect to risk management.
- Used REVAMP and LENTRA and BPM to perform credit appraisals, document verification and loan approvals.
Credit Manager
AU Small Finance Bank
Anand
04.2021 - 05.2022
- Used Hotfoot and RLOS, BIMS to perform credit appraisals, document verification and loan approval Knowledge of basic legal documentation and Technical involved in acquisition of LAP.
- Calculation of Assessed in Business using excel sheets or programs.
- Interpretation of Credit Bureau Report, Assessment of Income, Analysis of Bank Statements, Assessing eligibility of hubs and service centers
Branch Credit Manager
Bajaj finance limited
vadodara
05.2017 - 04.2021
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Optimized credit approval and collection processes, improving operational efficiencies by over 100 % in 06 hrs..
- Used Salesforce and Finone to perform credit appraisals, document verification and loan approvals.
- Work cross-functionally with Operations, management and other departments to maintain effective operations.
- Reviewed and analyzed loan procedures.
Financecial Advisor Services
Janalakshmi Financial Services(Currently Jana Small Finance Bank)
Vadodara
10.2015 - 05.2017
- Quality file disbursement and timely Dispatch,Customer service with resolving problem,Cash Management,timely closed audit related maters,maintain all branch registers,handling team and motivate them for achieve daily targets.
Assistant Branch Head
Manappuram Finance Limited
Vadodara
05.2014 - 07.2015
- Gold Valuation,Gold loan process,Cash Management,Register,Customer service.
Education
MBA - Finance
Suresh Gyan Vihar University
Jaipur, Rajasthan09.2021
Master of Commerce - Marketing
Maharaja Sayajirao University Baroda
Baroda,Gujarat,India06.2013
Bachelor of Commerce - Accounting
Maharaja Sayajirao University
Baroda,Gujarat,India06.2011
Skills
- Credit reports and CAM
- Expertise in Fin one, Salesforce, RLOS, Rapid, BIMS
- Policy application
- Authorizations understanding
- Fraud knowledge
- Risk mitigation
- Investigations
- Relationship building and management
Certification
- Kudos Award: An Award of Well Managed PLCS Credit and Given Additional PLCS Flexi Cases work in post Lockdown Period.
- Promotion :In Bajaj Finserv i Joined as a Assistant Credit Manager later with Good Performance promote As a Branch Credit Manager.
Languages
Gujarati, Hindi
Native language
English
Upper intermediate
B2
Timeline
Credit Manager
Aditya Birla Finance
05.2022 - Current
Credit Manager
AU Small Finance Bank
04.2021 - 05.2022
Branch Credit Manager
Bajaj finance limited
05.2017 - 04.2021
Financecial Advisor Services
Janalakshmi Financial Services(Currently Jana Small Finance Bank)
10.2015 - 05.2017
Assistant Branch Head
Manappuram Finance Limited
05.2014 - 07.2015
MBA - Finance
Suresh Gyan Vihar University
Master of Commerce - Marketing
Maharaja Sayajirao University Baroda
Bachelor of Commerce - Accounting
Maharaja Sayajirao University
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