Experience

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  Tata Motors Finance

  • Lucknow, Uttar Pradesh, India

  • Zonal Credit Head

    • Mar 2024 - Present
    • Lucknow, Uttar Pradesh, India

• 

  Bandhan Bank

  • Lucknow, Uttar Pradesh, India

  • Area Credit Manager

    • Feb 2023 - Mar 2024
    • Lucknow, Uttar Pradesh, India

    Handling Credit Underwriting of various retail asset products ie Commercial Vehicles Construction Equipments Auto Loans & Personal LoansPossessing Approval authority for all productsControl over PDDs and deferralsPortfolio building and Delinquency AnalysisTeam handling of 9 credit managers across all UP & UK

• 

  HDB Financial Services Ltd.

  • India
  • Financial Services
  • 700 & Above Employee

  • Cluster Credit Manager

    • Jul 2021 - Feb 2023

    Handled Credit Underwriting for CV & CE products for seasoning of 4.5+ yearsPossessing approval authority of Rs 1 Cr + L2 deviations for approving CE proposalsHeaded team of 7 credit managers across UP UKControl over PDD and Portfolio monitoringStarted career with HDB as Area Credit Manager and soon promoted to Cluster Credit Manager CE with ESOP as rewards within 3 yrs

  • Area Credit Manager

    • Aug 2018 - Jun 2021

• 

  Axis Bank

  • Lucknow, Uttar Pradesh, India

  • Senior Credit Manager

    • Jul 2015 - Aug 2018
    • Lucknow, Uttar Pradesh, India

    Handled Credit Underwriting of CV CE & AL at Lucknow for entire UP UKHaving approval authority of Rs 1.25 Cr to approve CV CE product proposalsControl over PDD, liasoning with CPV & valuation vendorsHandled team of 3 off roll credit executives

• 

  HDFC Bank

  • Raipur, Chhattisgarh, India

  • Credit Risk Manager

    • Jan 2013 - Jun 2015
    • Raipur, Chhattisgarh, India

    Handled credit underwriting of CTG commercial transportation group and done underwriting of CV CE & Healthcare productsWas part of Large ticket underwriting team of HDFC bank and done Working capital analysis of all CTG customersGot experience of underwriting various banking products ie LC BG TL etcHad lowest delinquency of 0.50% in entire East with Portfolio of Rs 800 Cr +.

• 

  Tata Motor Finance

  • Jabalpur, Madhya Pradesh, India

  • Area Credit Manager

    • Sep 2011 - Dec 2012
    • Jabalpur, Madhya Pradesh, India

    Handled Credit Underwriting of CV & Auto products of Tata Motors Ltd for entire Mahakaushal Area MP2 Jabalpur Satna & Chhindwara

• 

  Fullerton India Credit Company Ltd.

  • Lucknow, Uttar Pradesh, India

  • Credit Risk Manager

    • Nov 2010 - Aug 2011
    • Lucknow, Uttar Pradesh, India

    Handled Eastern & Central UP for ABF vertical of Fullerton India Credit Co Ltd for CV CE proposal underwriting

• 

  Indiabulls Financial Services Ltd.

  • Lucknow, Uttar Pradesh, India

  • Branch Credit Manager

    • Aug 2007 - Oct 2010
    • Lucknow, Uttar Pradesh, India

    Handled underwriting of CV and tractor for entire UPJoined as credit officer & got promoted within 10 months of joining as Credit ManagerGone through phase of 2 major economy downfalls during this tenor of career

• 

  Mahindra Finance

  • lakhimpur, uttar pradesh, india

  • Controlling Accountant

    • Dec 2003 - Jul 2007
    • lakhimpur, uttar pradesh, india

• 

  Mradul Agarwal & Associates

  • Lucknow, Uttar Pradesh, India

  • Audit Assistant

    • Feb 1999 - Nov 2003
    • Lucknow, Uttar Pradesh, India