Experience

ART Housing Finance (India) Ltd

• India
• Financial Services
• 200 - 300 Employee

• Zonal Credit Head

  • May 2021 - Present



Satin Housing Finance Limited

• India
• Financial Services
• 100 - 200 Employee

• Zonal Credit Head

  • Sep 2019 - May 2021



ART Housing Finance (India) Ltd

• India
• Financial Services
• 200 - 300 Employee

• Zonal Credit Manager

  • Nov 2016 - Aug 2019

  Managing HL and LAP Portfolio that has been created during the last 2.5 yrs with utmost focus on Having a Clean Portfolio and achieved the aim with Nil Delinquency and Lowest Bounce Rate.. Created a Superb Portfolio and expanding the same every dayHaving a Robust team of Credit and Risk with Rich experience of HL and LAP Products and Good Understanding of Legal and Technical Managing HL and LAP Portfolio that has been created during the last 2.5 yrs with utmost focus on Having a Clean Portfolio and achieved the aim with Nil Delinquency and Lowest Bounce Rate.. Created a Superb Portfolio and expanding the same every dayHaving a Robust team of Credit and Risk with Rich experience of HL and LAP Products and Good Understanding of Legal and Technical



AU SMALL FINANCE BANK

• India
• Banking
• 700 & Above Employee

• Area Credit Manager

  • Oct 2015 - Nov 2016

  Handing Mortgages Portfolio for AU Financers Pvt Limited for almost a year.Taking care of Creditworthiness of the ultimate client as well as Checking the Property from Legal and Technical aspect to access the Title of the propertyHaving a dedicated team of Credit manages/Credit officers with DO's and Field executives in reportingManaging efficiently monthly Disbursement of Rs 25 crores of MSME productCo-coordinating with other depts. on regular basis (Legal/ Valuation/ Technical/Collection/ Operations)



HDFC Bank

• India
• Banking
• 700 & Above Employee

• Cluster Credit Manager

  • Mar 2013 - Sep 2015

  Underwriting and Portfolio management at Bikaner Hub for HDFC bank Ltd. Bikaner Hub comprising locations Ganganagar, Hanumangarh, Suratgarh, Nagaur and other near by locations.Loans underwriting of Auto loan piece( New AL/ Used Car loans/ Car and Cash products) and Personal Loans underwriting handled from Bikaner Hub.Handling both Secured As well as Unsecured Portfolio for HDFC Bank Ltd since last 1.5 yrs successfully- Monthly Portfolio Size ranging in Between Rs 4 to Rs 5 Crores efficiently-Controlled Delinquency--On this huge Portfolio size the Delinquency level are very much under control and Portfolio is behaving very satisfactorily-Team Size--Managing Team of around 20 Employees and managing their day to day activities-Co-Ordination---With other departments like Sales/Operation and Collections to streamline the work flow-Audit Rating--Efficiently handled the Audit part and the PAR Errors are very much under control-TAT --Turn Around Time is within the Best in Region that specifies that the Cases are decisioned within the time frame-Products--Currently Looking after Unsecured Loans( PL/B )and Secured Loans(New Auto Loan/Used Car Loans/Car and cash/Refinance)



Fullerton India Credit Company Ltd.

• India
• Financial Services
• 700 & Above Employee

• HUB Credit Manager

  • Mar 2007 - Mar 2013

  - Managed the appraisal of credit proposals, scrutiny of relevant documents, ensuring compliance with organisational credit policies.- Performed the functions of assessing the creditworthiness of clients by reviewing all applications/documents/income statements- Managed the performance of Branch credit officers to ensure resolution of credit related issues.- Minimize bad credit loans by encouraging the credit officers to undertake thorough Field Investigation so as to deliver consistent performance by guiding the credit department.- Ensured strict adherence to credit norms and finding out ways to deliver good credit- Ensured thorough evaluation of documents to reduce the NPA’s of the branch.- Followed ‘Recovery Management’ through monitoring of collection process thereby maximising revenue generation & minimising irrecoverable debts, management of Net Credit Loss (NCL).- Analysed & segregating of defaulting clients into hard & soft cases; implementing strategies for liquidating hard cases within the targeted time frames, Non Starter clientele resolutions.- Created basic understanding of the credit recovery Procedures, Problems and techniques in the department



Citi

• United States
• Financial Services
• 700 & Above Employee

• Branch Credit Manager

  • Jan 2006 - Feb 2007

  Underwriting Secured and Unsecured products i.e. Personal Loans and Sales Finance Business comprising of Consumer Durables and Two-Wheeler loansManaging the Credit Process at the BranchMIS & Reporting-Prepare and analyze daily credit MIS and providing timely feedbackStrict adherence to the credit policies and proceduresCPA management-Managing the CPA of the company to ensure timely TAT (Turn around Time) and quality CPVBudget Analysis-Preparing the Budget analysis to ascertain the actual creditworthiness of the cms