Credit Head-MPCG leads LAP underwriting, portfolio monitoring, and risk control across the state. Drives faster decision-making by tracking TAT, approval rates, DPD trends, and repayment behavior, while coordinating sales, legal, technical validation, and credit processing teams to keep disbursements moving. Builds capability through training, clear credit guidance, and senior management reporting.
Hi, I’m
DIMPY KHARE
CREDIT HEAD-MPCG
Bhopal
Summary
Overview
2
Languages
13
years of professional experience
Work History
CI Capital Pvt. Ltd
Credit Head-MPCG
10.2025 - Current
Job overview
- Identify, assess, and mitigate credit risks associated with Loan Against Property (LAP) proposals to sustain a healthy and profitable loan portfolio.
- Monitor the performance of the LAP portfolio within the state, actively identifying potential risks and implementing strategies to address and stabilize delinquent accounts.
- Collaborate with sales and business teams, credit processing teams, legal departments, and technical validation teams to ensure a smooth loan processing and disbursement workflow.
- Provide training and support to credit processing and business sourcing teams on credit policies and risk assessment techniques.
- Track key performance indicators (KPIs) such as Turnaround Time (TAT) and approval rates to guarantee efficient and timely decision-making.
- Foster and maintain relationships with channel partners and vendors to ensure smooth operations and enhance with service-led agreements.
- Reporting to DGM, regarding Credit file customer file repayment track,Overdue,DPD report and important updates.
- Stay updated on market trends, property valuations, and economic indicators that influence the mortgage loan sector in the region.
- Ensure all approved loans are accompanied by accurate and complete documentation, while preparing and presenting credit reports and analysis to senior management.
Loanwried Fintech Pvt. Ltd
Area Credit Manager MPCG
05.2025 - 08.2025
Job overview
- Assess loan applications, review financial statements and credit reports to evaluate creditworthiness, and make final decisions on approval or rejection.
- Ensure that all loan applications and the entire credit process align with the company's credit policies, lending guidelines, and applicable regulatory standards.
- Identify, evaluate, and mitigate credit risks related to Loan Against Property (LAP) proposals to maintain a healthy and profitable loan portfolio.
- Monitor the performance of the LAP portfolio within the state, actively identifying potential risks and implementing strategies to address and stabilize delinquent accounts.
- Collaborate with sales teams, credit processing teams, legal departments, and technical validation teams to facilitate a smooth loan processing and disbursement workflow.
- Provide training and support to credit processing teams and business sourcing teams regarding credit policies and risk assessment methods.
- Track key performance indicators (KPIs) such as Turnaround Time (TAT) and approval rates to ensure efficient and timely decision-making.
- Cultivate and maintain relationships with channel partners and vendors to ensure operational smoothness and adherence to service-level agreements.
- Monitor the quality of the LAP portfolio within the region, proactively identifying potential risks and suggesting corrective measures.
- Stay informed about market trends, property valuations, and economic indicators that affect the mortgage loan segment in the region.
- Ensure accurate and complete documentation for all approved loans, and prepare and present credit reports and analyses to senior management.
SMFG INDIA CREDIT COMPANY LTD
Senior Territory Credit Manager-MPCG
05.2018 - 04.2025
Job overview
- Assess loan applications by analyzing financial statements and credit reports to determine creditworthiness, ultimately making final decisions on approval or rejection.
- Monitor the overall health and quality of the loan portfolio, paying special attention to key metrics such as delinquency rates and recovery efforts.
- Identify strategies to manage and stabilize delinquent accounts, collaborating closely with recovery teams.
- Lead, mentor, and coach the branch credit team to enhance their skills and operational efficiency.
- Identify and address the training needs of the credit team, business units, and vendors.
- Ensure strict compliance with internal credit policies, industry regulations, and company guidelines.
- Develop and establish procedures to maintain consistency and compliance in credit operations.
- Coordinate with external vendors, technical teams, legal teams, and the sales team to facilitate smooth operations and timely issue resolution.
- Collaborate with the sales team to ensure the execution of high-quality business opportunities.
- Evaluate and manage the credit risk associated with LAP loans and borrowers.
- Oversee collateral management and conduct thorough due diligence for loan applications.
- Monitor and manage key performance indicators (KPIs) such as Turnaround Time (TAT), approval rates, and delinquency levels.
- Prepare and submit regular reports on credit performance and market trends to stakeholders.
- Approve or decline loan applications based on established credit policies, criteria, and risk assessments.
- Ensure that all loan resolutions are processed and approved within the service-bound timelines (TAT).
AU SMALL FINANCE BANK
Credit Manager-Vidisha MP
12.2017 - 05.2018
Job overview
- Conduct a thorough evaluation of customers' creditworthiness and financial status to recommend suitable loan products.
- Oversee the entire loan process, from the initial application and credit assessment to disbursement and management of post-disbursement documents.
- Aim to meet and maintain high-quality loan portfolio by managing risks and closely monitoring on collection and repayment cycles.
- Stay informed about market trends, industry regulations, and changes in the economic environment that could impact lending decisions.
- Collaborate with internal teams, including legal, technical, risk, and branch teams, to streamline the loan process.
- Ensure compliance with all lending procedures, loan covenants, and bank policies, while approving credit proposals and loan settlements.
- Uphold adherence to company policies as well as internal and regulatory requirements.
- Supervise and train the credit department staff to guarantee smooth and effective daily operations.
- Evaluate the financial health of potential and existing customers to assess their repayment capability, thereby minimizing the risk of bad debt.
- Make decisions to approve or reject credit applications and set appropriate credit limits for customers.
RBL BANK
Credit Manager-DHAR MP
10.2017 - 12.2017
Job overview
- Evaluate the creditworthiness of potential customers
- Maintain detailed records of company loans
- Approve or reject loan applications from clients
- Determine and set loan interest rates
- Negotiate loan terms with new clients
- Monitor customers' loan repayments
- Review and update the company's credit policy as necessary
- Create a credit scoring model to assess risks
FULLERTON INDIA CREDIT CO.LTD.
Credit Manager- MPCG
12.2013 - 09.2017
Job overview
- Conduct research and assess clients' creditworthiness
- Develop credit scoring models to forecast risks
- Approve or deny loan applications based on credibility and expected revenues and losses
- Determine and establish interest rates
- Negotiate loan terms with clients
- Monitor payments and track collections for 1-12 months of business operations (MOB)
- Keep accurate records of loan applications
- Follow up with clients to manage debt settlements and renew loans
- Ensure that all lending processes adhere to regulatory standards
- Create, review, and update the company's credit policies
- Manage bucket and non-performing loan (NCL) collections and maintain the portfolio.
Education
MP Board
High School
01-2001
University Overview
BU Bhopal
MBA
01-2009
University Overview
BU Bhopal
Graduation (B.Com)
01-2006
University Overview
MP Board
Higher Secondary
01-2003
University Overview
Skills
Underwriting
Recommendations
Sanctioning
Credit risk assessment
Loan appraisal
Portfolio management
Leadership
Delinquency monitoring
Collections management
TAT monitoring
Credit bureau analysis
CERSAI registration
Title search
Valuation review
Accomplishments
Accomplishments
- Recognized as Employee of the Year for the Territory Credit Manager role in 2021 and 2022 at SMFG India.
- Honored as Employee of the Quarter in the Territory Credit Manager role for the periods of January to March 2019, October to December 2020, March to May 2021, May to July 2021, and October to December 2021.
- Received the Employee of the Year award in the Branch Credit role in both 2014 and 2016.
- Promoted from Branch Credit to Cluster Credit role at SMFG India.
Interests
Gardening
Exploring new places, Meeting new people, Playing cricket, Watching movies, Solving puzzles
Family Background
Family Background
- Father-Late Shri Gurucharan Khare
- Mother-SMT Geeta Khare
- Marital Status-Married
- DOB-27/03/1985
Timeline
Credit Head-MPCG
CI Capital Pvt. Ltd
10.2025 - Current
Area Credit Manager MPCG
Loanwried Fintech Pvt. Ltd
05.2025 - 08.2025
Senior Territory Credit Manager-MPCG
SMFG INDIA CREDIT COMPANY LTD
05.2018 - 04.2025
Credit Manager-Vidisha MP
AU SMALL FINANCE BANK
12.2017 - 05.2018
Credit Manager-DHAR MP
RBL BANK
10.2017 - 12.2017
Credit Manager- MPCG
FULLERTON INDIA CREDIT CO.LTD.
12.2013 - 09.2017
MP Board
Higher Secondary
BU Bhopal
Graduation (B.Com)
BU Bhopal
MBA
MP Board
High School