Neeraj Shrivastava
Credit Manager With 8+ Years In Auto Finance, Specializing In Risk Mitigation And Portfolio Growth. Proven Ability To Reduce Delinquency By 15% And Streamline Loan Processes, Consistently Exceeding Targets For A Major Bank
Gwalior
Summary
Operations & Credit Manager with 12+ years of progressive experience in the financial services industry. Expertise in loan underwriting, credit risk management, operations control, compliance, and portfolio management across leading NBFCs and banks. Proven track record in improving credit quality, reducing delinquency, and ensuring seamless branch operations.
Experienced with credit risk assessment, financial analysis, and team leadership. Utilizes strategic planning to streamline credit processes and enhance performance. Track record of implementing effective credit policies that drive company growth and maintain compliance.
Overview
15
15
years of professional experience
2
2
Languages
1
1
Certificate
Work History
Cluster Credit Manager
Hinduja Leyland Finance Ltd
02.2023 - Current
- Appraise and underwrite loans across CE, CV, SCV, Tractor (New/Used), and Used Car segments.
- Credit Underwriting, Risk Assessment, Portfolio Management, Loan Origination, Financial Analysis, Debt Recovery.
- Manage credit quality, control delinquencies, and prevent fraud by adhering to credit policies.
- Oversee CAM preparation, post-disbursement documentation, and recovery analysis.
- Develop and implement structured loan products to suit customer and policy requirements.
Branch Credit Manager
Mahindra & Mahindra Finance Services Ltd
09.2017 - 02.2023
- Product CV , CE , SCV ,CAR ,TRACTOR,(NEW AND USED)
- Analyzed financial statements and credit history for risk assessment in lending decisions.
- Implemented and enforced credit policies across branch operations.
- Managed end-to-end auto loan portfolio, reducing Non-Performing Assets (NPA) by 10%.
- Analyzed credit reports, financial data, and risk profiles for loan applications
- Oversaw credit appraisal, approval, and rejection processes within TATs.
Branch Credit Manager
Bajaj FinServ Ltd
01.2015 - 09.2017
- Enhanced branch profitability by optimizing the credit portfolio mix and mitigating potential risks within lending activities.
- Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.
- Wrote reports detailing branch activities.
- Successfully managed complex credit restructuring cases, working closely with borrowers and internal stakeholders to develop mutually beneficial solutions that minimized losses.
- Managed a high-performing team of credit analysts, providing guidance, training, and support for professional development.
Credit Executive
Chola Mandalam Investment & Finance Ltd
12.2012 - 01.2015
- Handled vehicle loan disbursement for new/used cars and tractors.
- Conducted credit analysis, PDD updating, and cash management activities.
- Counted money in cash drawers at beginning and end of shifts to maintain accuracy.
- Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.
Customer Service Officer
ICICI Bank Ltd
01.2011 - 12.2012
- Executed teller operations, compliance reporting, and customer service activities.
- Ensured adherence to daily reconciliation, balancing, and operational compliance standards.
Education
MCOM - Finance
Jiwaji
GWALIOR 04.2001 -
PGDCA - Computer And Information Sciences
BHOJ University
Gwalior, India 04.2001 -
PG Diploma - Banking & Operations
NIIT (IFBI)
Indore, India01.2011
B.Com - Finance
Jiwaji University
04.2001 -
High School Diploma -
MP BOARD
Gwalior, India 04.2001 -
Skills
Credit Risk Assessment & Loan Underwriting
Timeline
Cluster Credit Manager
Hinduja Leyland Finance Ltd
02.2023 - Current
Branch Credit Manager
Mahindra & Mahindra Finance Services Ltd
09.2017 - 02.2023
Branch Credit Manager
Bajaj FinServ Ltd
01.2015 - 09.2017
Credit Executive
Chola Mandalam Investment & Finance Ltd
12.2012 - 01.2015
PGDBO
02-2011
Customer Service Officer
ICICI Bank Ltd
01.2011 - 12.2012
MCOM - Finance
Jiwaji
04.2001 -
PGDCA - Computer And Information Sciences
BHOJ University
04.2001 -
B.Com - Finance
Jiwaji University
04.2001 -
High School Diploma -
MP BOARD
04.2001 -
PG Diploma - Banking & Operations
NIIT (IFBI)
Languages
English
Hindi
Certification
PGDBO
Cricket
Teaches teamwork, discipline, patience, sportsmanship, and handling victory/defeat gracefully