RASANA KIMTANI
Indore
Summary
Ten years of expertise in credit underwriting and procedural development within the financial sector, actively pursuing managerial roles in credit and banking operations with a prominent organization in the banking and finance industry.
Overview
14
14
years of professional experience
Work History
Branch Credit Head
Protium Finance Ltd
Indore
05.2023 - Current
- Managed Indore-RO and newly opened branches in Dewas, Ujjain, and Ratlam to ensure operational alignment and support growth objectives.
- Led training and mentoring programs on credit assessment procedures to align practices across branches.
- Implement robust underwriting policies to improve credit risk management.
- Monitored outstanding debts and optimized collection efforts to maximize cash flow.
- Evaluated customer creditworthiness by establishing standards for loan application approvals.
- Collaborated cross-functionally with sales operations and other departments to enhance operational effectiveness.
- Streamlined processes and automated routine tasks to minimize errors and increase overall department efficiency.
- Oversaw stakeholder management with legal, technical, RCU, and external vendors to facilitate seamless collaboration and project execution.
Branch Credit Manager
SBFC Finance Pvt. Ltd. (Merged from Karvy Financial Services Ltd)
07.2014 - 01.2021
- Approved loan cases totaling ₹15 lakh across Indore, Dewas, and Ujjain, enhancing regional lending capacity.
- Analyzed credit and financial statements to assess lending risk.
- Calculated loan eligibility and appraised proposals per credit policy guidelines.
- Executed loan disbursal operations and ensured error-free underwriting in compliance with policies.
- Coordinated with sales, operations, technical, legal, and accounts teams for seamless business flow.
- Advised walk-in customers on product details and resolved pre- and post-disbursal issues.
- Ensured timely collection and submission of PDD documents, supporting efficient loan processing.
Credit Processing Associate
ICICI Bank Ltd (On Pay Roll of I Process Services India Private Ltd)
01.2012 - 06.2014
- Executed underwriting of salaried loans, facilitating timely approval processes.
- Screened loan files and prepared credit documents, including CAM financials, to support credit evaluation.
- Initiated reports, including FI, RCU, legal, and technical for each customer.
- Distributed daily tracker (MIS) to relevant stakeholders to ensure project transparency.
Education
MBA - Finance & Marketing
Medicaps Institute of Technology And Management
Indore, MP01-2011
B.Sc. -
DAVV University
Indore01-2008
Skills
- Credit risk management
- Credit underwriting
- Financial analysis
- Risk assessment
- Collection monitoring
- Customer relationship management
- Team leadership
- Deadline adherence
- Organizational skills
- Independent teamwork
- Stress management
- Communication skills
Accomplishments
- Getting grade promotions consecutively for the last 2 years in the current organization.
- Two-time winner of the Star of the Month Award.
- Recognized multiple times for fraud check and analysis.
Personal Information
- Spouse's Name: Mr. Lakhan Kimtani
- Date of Birth: 09/08/88
- Marital Status: Married
Languages
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Timeline
Branch Credit Head
Protium Finance Ltd
05.2023 - Current
Branch Credit Manager
SBFC Finance Pvt. Ltd. (Merged from Karvy Financial Services Ltd)
07.2014 - 01.2021
Credit Processing Associate
ICICI Bank Ltd (On Pay Roll of I Process Services India Private Ltd)
01.2012 - 06.2014
MBA - Finance & Marketing
Medicaps Institute of Technology And Management
B.Sc. -
DAVV University