Nilesh Singh
Khandwa
Summary
Results-driven Area Credit Manager with expertise in credit risk management and portfolio strategy. Streamlined processes and enhanced operational efficiency through technical skills. Applied strong analytical capabilities to ensure financial stability and mitigate risks. Fostered team collaboration and strengthened customer relationships, contributing to overall business growth.
Overview
2
2
Languages
2
2
years of post-secondary education
12
12
years of professional experience
Work History
Area Credit Manager
Annapurna Finance Pvt.Ltd.
Jodhpur
04.2026 - Current
- Managed regional credit operations to ensure adherence to company policies.
- Evaluated credit applications for risk assessment and approval decisions.
- Developed training programs for staff on credit policies and procedures.
- Collaborated with sales teams to optimize financing solutions for clients.
- Analyzed market trends to inform strategic credit risk management decisions.
- Oversaw compliance audits to ensure alignment with regulatory requirements.
- Established relationships with external partners for enhanced credit offerings.
- Provided mentorship to junior team members on best practices in credit management.
- Monitored accounts receivable balances and aging reports.
- Reviewed and authorized credit applications for new customers.
- Analyzed financial statements to assess customer creditworthiness.
- Investigated discrepancies in customer accounts, payment history, or other account information.
- Researched industry trends in order to develop best practices for credit approval process.
- Compiled data and analyzed latest trends, identifying risks preventatively.
- Established credit limits by analyzing financial information and assessing market conditions.
- Reviewed loan applications and verified borrower documents for credit approval.
- Maintained compliance with internal credit norms and lending guidelines.
- Trained field staff on credit policies and lending procedures.
- Coordinated with branch teams on collections and recovery activities.
Cluster Credit Manage
Annapurna Finance Pvt.Ltd.
Sanawad
05.2021 - 03.2026
- Managed daily operations across multiple branches to ensure efficient service delivery.
- Led a team of managers to achieve operational goals and enhance productivity.
- Developed training programs for staff to improve customer engagement skills.
- Conducted regular performance reviews to support employee development initiatives.
- Developed credit policies and procedures to enhance loan approval processes.
- Collaborated with branch teams to ensure compliance with regulatory standards.
- Analyzed client credit reports to assess risk and determine lending eligibility.
- Managed customer relationships to address credit inquiries and resolve issues.
- Trained staff on credit assessment techniques and best practices for lending.
- Conducted market research to identify trends in consumer credit behavior.
- Led initiatives to improve overall credit portfolio quality and performance.
- Generated monthly reports on the performance of credit activities in assigned area.
- Initiated legal action against delinquent accounts when appropriate according to established protocol.
- Negotiated payment plans with delinquent customers while ensuring adherence to company policies.
- Monitored daily cash receipts from customers against invoices issued in order to reconcile any discrepancies.
- Developed strategies for reducing customer delinquency and increasing collections efficiency.
- Analyzed and monitored credit activity of customers to ensure payment compliance.
- Compiled data and analyzed latest trends, identifying risks preventatively.
- Monitored collection activities and account follow-up.
Credit Manager
Annapurna Finance Pvt.Ltd.
Sanawad
06.2018 - 04.2021
- Managed credit assessment processes for diverse client portfolios.
- Developed and implemented credit policies to mitigate risk exposure.
- Collaborated with sales teams to evaluate customer creditworthiness.
- Trained staff on best practices in credit management and compliance.
- Analyzed financial statements to support lending decisions effectively.
- Monitored payment trends to identify potential issues early.
- Facilitated communication between clients and internal stakeholders regarding credit terms.
- Reviewed loan applications to ensure adherence to company guidelines.
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Ensured timely and accurate processing of all credit transactions.
- Investigated discrepancies between actual balances owed by customers versus amounts recorded in company's accounting system.
- Identified possible issues with credit systems and monitoring by streamlining processes ahead of time.
- Monitored economic trends and industry developments to proactively adjust credit policies.
- Evaluated and approved credit applications based on thorough financial analysis and risk assessment.
Credit Manager
Vistaar Financial services Pvt
Khandwa
05.2017 - 06.2018
- Managed credit appraisal and loan approval reviews for Annapurna Finance branch portfolios.
- Reviewed borrower KYC documents, income proofs, and repayment capacity during underwriting.
- Monitored overdue accounts and coordinated recovery follow-up with field collection teams.
- Approved disbursement files after verifying policy compliance and sanction conditions.
- Guided branch staff on credit procedures, documentation standards, and lending norms.
- Coordinated with audit and compliance teams on credit file checks.
Operations Manager
Vistaar Financial services Pvt
Khandwa
07.2015 - 04.2017
- Managed credit assessment processes for diverse client portfolios.
- Developed and implemented credit policies to mitigate risk exposure.
- Collaborated with sales teams to evaluate customer creditworthiness.
- Trained staff on best practices in credit management and compliance.
- Analyzed financial statements to support lending decisions effectively.
- Monitored payment trends to identify potential issues early.
- Reviewed loan applications to ensure adherence to company guidelines.
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Compiled data and analyzed latest trends, identifying risks preventatively.
- Researched industry trends in order to develop innovative strategies for improving collection processes.
- Implemented credit scoring models to streamline the credit approval process.
- Managed daily branch operations for Vistaar Financial Services loan workflows.
- Coordinated loan documentation, verification, and disbursement processing.
- Ensured compliance with financial policies and internal controls.
Relationship Banker
Fullerton India Credit company LTD.
Indore
01.2015 - 06.2015
- Developed strong customer relationships through personalized financial consultations.
- Built long-term relationships with customers by providing personalized service and support.
- Identified financial needs of customers and presented appropriate product and service options.
- Assisted clients in understanding loan products and services offered by Fullerton India.
- Processed loan applications efficiently while ensuring compliance with company policies.
- Conducted regular follow-ups to address client inquiries and provide support.
- Resolved customer complaints promptly, enhancing overall satisfaction with services provided.
- Collaborated with team members to enhance customer service strategies and initiatives.
- Educated clients on financial management and investment options available through Fullerton India.
Education
B.Com - Commerce
DAVV INDORE
Khandwa 02.2010 - 05.2012
Skills
- Credit risk assessment
- Financial statement analysis
- Compliance auditing
- Credit policy
- Market trend analysis
- Team leadership
- Customer relationship management
- Risk management strategies
- Effective communication
- Staff training
- Portfolio management
- Risk mitigation
- Underwriting expertise
- Mentoring
- Risk analysis
Languages
Hindi
First Language
English
Beginner (A1)
A1
Accomplishments
- Achieve Target award since 2022,2023 and 2024,2025.
- Achieve Top Area Manager Award 2025.
- Achieve Top Cluster Credit Manager 2023,2024.
References
References available upon request.
Timeline
Area Credit Manager
Annapurna Finance Pvt.Ltd.
04.2026 - Current
Cluster Credit Manage
Annapurna Finance Pvt.Ltd.
05.2021 - 03.2026
Credit Manager
Annapurna Finance Pvt.Ltd.
06.2018 - 04.2021
Credit Manager
Vistaar Financial services Pvt
05.2017 - 06.2018
Operations Manager
Vistaar Financial services Pvt
07.2015 - 04.2017
Relationship Banker
Fullerton India Credit company LTD.
01.2015 - 06.2015
B.Com - Commerce
DAVV INDORE
02.2010 - 05.2012