Experienced professional with 18+ years of expertise in overseeing credit functions and managing risk. Skilled in ensuring compliance with organizational regulations, conducting credit risk assessments, analyzing financial statements/CMA data, leading consortium advances, and coordinating meetings. Eager to leverage skills and knowledge in a dynamic organization to drive growth and gain valuable experience for further skill enhancement.
Overview
18
18
years of professional experience
2012
2012
years of post-secondary education
Work History
Chief Portfolio & Zonal Credit Head
Loan Wired Fintech Pvt Ltd
05.2025 - Current
Self-motivated, with a strong sense of personal responsibility.
Excellent communication skills, both verbal and written.
Proven ability to learn quickly and adapt to new situations.
Skilled at working independently and collaboratively in a team environment.
Organized and detail-oriented with a strong work ethic.
Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
Proved successful working within tight deadlines and a fast-paced environment.
State Credit Head
Electronica Finance Pvt Ltd
01.2023 - 04.2025
Assessed, appraised new and existing business ventures to determine their technical viability, their economic feasibility and presenting memorandums for making an informed and knowledgeable credit risk decision.
Prepared and reviewed credit applications made and conducting assessment of financial statement and business for loan eligibility. Spearheaded in MSME - Secured & Unsecured, PL/LAP/Business Loan/Working Capital for MP.
Ensured portfolio quality of the product in MP location, while maintaining service level to the customer (internal and external). Managed portfolio behavior, analyzing trends of delinquency and minimizing credit risk involved in proposals.
Established and maintained relationship with clients. Regularly visited clients for understanding the market scenario and credit related issues.
Coordinate with the RCM's, ACM's & CM's to ensure that watch listed, delinquent and exit customers are followed up regularly.
Managed credit team of 59 employees. Provided training to credit and sales team for all product and policies. Coordinated with Credit Head for Sanctioning of Cases. Branch Visits & conduct product & policy training every month for smooth functioning.
Prepared Reports related to Risk and Guidelines of Company Policy on monthly, weekly and daily basis. Maintained best TAT for sanction & disbursement. Run drives to improve portfolio, PDD and ED cases and monitored deferral cases.
Regional Credit Manager
Veritas Finance Pvt Ltd
09.2022 - 01.2023
Assessed, appraised new and existing business ventures to determine their technical viability, their economic feasibility and presenting memorandums for making an informed and knowledgeable credit risk decision.
Prepared and reviewed credit applications made and conducting assessment of financial statement and business for loan eligibility. Spearheaded in MSME - Secured & Unsecured, PL/LAP/Business Loan/Working Capital for MP.
Ensured portfolio quality of the product in MP location, while maintaining service level to the customer (internal and external). Managed portfolio behavior, analyzing trends of delinquency and minimizing credit risk involved in proposals.
Established and maintained relationship with clients. Regularly visited clients for understanding the market scenario and credit related issues.
Coordinate with the ACM's & CM's to ensure that watch listed, delinquent and exit customers are followed up regularly.
Managed credit team of 35 employees. Provided training to credit and sales team for all product and policies. Coordinated with Zonal Credit Head for Sanctioning of Cases. Branch Visits & conduct product & policy training every month for smooth functioning.
Prepared Reports related to Risk and Guidelines of Company Policy on monthly, weekly and daily basis. Maintained best TAT for sanction & disbursement. Run drives to improve portfolio, PDD and ED cases and monitored deferral cases.
Area Credit & Operations Manager
Cholamandalam Investment and finance company Limited
01.2022 - 08.2022
Verifying that all statutory requirements are fulfilled at branch and all necessary certificates licenses and notices are put in place. Ensuring policy adherence and meeting the TAT at branches. Ensuring adherence to Vaulting Process and Policies.
Monitoring and ensuring focus on diagnosing and minimizing error rates. Intervening after significant error events to facilitate diagnosis corrective and preventive decision-making and implementation.
Currently spearheading in MSME - Secured & Unsecured. PL/LAP/HL/Business Loan at Cholamandalam investment and finance company limited for MP. Ensuring portfolio quality of the product in MP location, while maintaining service level to the customer.
Managing portfolio behavior, analyzing trends of delinquency and minimizing credit risk involved in proposals. Monitoring non-starters and cheque bouncing trend, maintaining adequate knowledge of channels and their sourcing pattern.
Liaising with business teams, RCU, CPC and vendors (Legal and Valuation agencies) in order to ensure customer satisfaction by achieving delivery and service quality norms.
Adhering to the policy and process laid out by the central team for all applications being processed. Ensuring compliance of internal guidelines and RBI circulars in terms of underwriting. Ensure Audit compliance and regulatory compliance.
Managing credit team of 30 employees. Providing training to credit and sales team for all product and policies. Acting as whistle blower and providing early warning to management regarding product.
Guiding team in engagement with employees at the branches to understand their requirements and challenges faced and providing resolution to ensure attrition remains under check and employee satisfaction is also maintained.
Regional Credit Manager
Utkarsh Small Finance Bank
06.2018 - 12.2021
Assessed, appraised new and existing business ventures to determine their technical viability, their economic feasibility and presenting memorandums for making an informed and knowledgeable credit risk decision.
Prepared and reviewed credit applications made and conducting assessment of financial statement and business for loan eligibility. Spearheaded in MSME - Secured & Unsecured, PL/LAP/HL/Business Loan/Vehicle at Utkarsh Small Finance Bank for MP.
Ensured portfolio quality of the product in MP location, while maintaining service level to the customer (internal and external). Managed portfolio behavior, analyzing trends of delinquency and minimizing credit risk involved in proposals.
Established and maintained relationship with clients. Regularly visited clients for understanding the market scenario and credit related issues.
Coordinated with the CM's to ensure that watch listed, delinquent and exit customers are followed up regularly.
Managed credit team of 30 employees. Provided training to credit and sales team for all product and policies. Coordinated with Zonal Credit Head for Sanctioning of Cases. Branch Visits & conduct product & policy training every month for smooth functioning.
Prepared Reports related to Risk and Guidelines of Company Policy on monthly, weekly and daily basis. Maintained best TAT for sanction & disbursement. Run drives to improve portfolio, PDD and ED cases and monitored deferral cases.
Assistant Hub Manager - Credit
AU Small Finance Bank
05.2016 - 05.2018
Understood financial loan products and disbursement process for BLSE/PLSE/SALPL/PSBL/PRO/LAP/UCF business lines. Responsible for file disbursement of Secured and Unsecured products.
Spearheaded in Wheels Loan at AU Small Finance Bank for MP. Managed portfolio behavior, analyzing trends of delinquency and minimizing credit risk involved in proposals.
Monitored bank vaults to ensure cash balances are correct. Paid and received cash and cheque from customers. Received and verified loan payments, mortgage payments and utility bill payments.
Monitored non-starters and cheque bouncing trend, maintained adequate knowledge of channels and their sourcing pattern. Liaised with business teams and vendors (CPA and CPV agencies) in order to ensure customer satisfaction by achieving delivery and service quality norms.
Monitored churning and utilization of Trade Advances provided to dealers. Managed credit team of 15 employees. Provided early warning to management regarding product and dealer.
Cluster Risk Manager
Fullerton India Credit Company Ltd.
05.2013 - 04.2016
Underwrote all products Mortgage loan, TW, Personal Loan, Hypothecation Loan, 3 Wheeler, Commercial Loan & Merchandise.
Managed 50 cr portfolio & 100+ branch staff with on time 99.98% collection.
Handled Cluster 5 Branch (Hoshangabad, Pipariya, Obaidullaganj, Itarsi & Seoni malwa) Staff UM, AUM, TO, SRO, IRO & GCO. Conducted Training, CSR, Health Checkups Camp, Pashu Vikas Camp, Achieve all Mission, Require Data maintain, Best audit ratting, Low attrition & Maximum staff Promotion.
Senior Area Manager
Ashmita Micro Finance Ltd.
08.2007 - 05.2013
Responsible for targets to fulfill of the company.
Explanation of the MEL products to Middle Gujarat. Handled Indore Region 7 Dist (Vadodara, Bhavnagar, Surat, Bharch, Ahemdabad, Godhara & Chota udaipura).
Developed full setup with sales & finance.
Education
Bachelor of Commerce -
CMJ University
Skills
Credit Management & Underwriting
Quantitative and Analytical Skills
Problem-solving Skills
Communication Skills
Interpersonal Skills
Accomplishments
Awarded as best Cluster Credit Manager (PAN India) with highest score for best Audit Efficiency, Excellent TAT Maintenance & Maintaining 98.99% Collection Repayment Rate.
Maintained minimum TAT maintained among credit managers all over MP for sanction/ disbursement of files.
Improved First-Pass login for all the products under MSME/PL/LAP/CV/HL through training and implementation of process across all the teams.
Awarded as best credit resource person Award in April 2018 at Bhopal Hub.
Timeline
Chief Portfolio & Zonal Credit Head
Loan Wired Fintech Pvt Ltd
05.2025 - Current
State Credit Head
Electronica Finance Pvt Ltd
01.2023 - 04.2025
Regional Credit Manager
Veritas Finance Pvt Ltd
09.2022 - 01.2023
Area Credit & Operations Manager
Cholamandalam Investment and finance company Limited