Experience

MyShubhLife

• India
• Financial Services
• 1 - 100 Employee

• Credit Manager

  • Jun 2021 - Present

  • Review loan request and evaluate credit worthiness of potential customer. • Assess customer financial status to analyze risks and approve or reject loan requests. • Maintain good knowledge of the lending partners policies and procedures. • Re-approving cases as per lenders policies and business target. • Investigate credit escalations from lending partners and provide clear and timely response to lenders. • Establish strong, proactive partnership with other departments within the organization to minimize bad debts and also to improve customer service. • Deliver meaningful, detailed credit analysis while providing efficient and timely service to sales department. • Training CPAs on credit process and policies. • Identifying new opportunities and channels for growth. Show less



MyShubhLife

• India
• Financial Services
• 1 - 100 Employee

• Credit Specialist

  • Nov 2019 - Jul 2020



Bajaj Finserv

• India
• Financial Services
• 700 & Above Employee

• Assistant Credit Manager

  • Jun 2019 - Nov 2019

  • Personal discussion with customers to analyzing queries, loan inquiries and to know the business setup and endues of the loan. • Understanding of property related knowledge (like legal title and market value of the property). • Credit appraisal of loan applications within defined guidelines (like FOIR, Credit worthiness) and accordingly take decision or recommend for approval to higher authorities. • Research background documentation and review customer and employer financial statements to understand the employer and customer performance as on date. • Underwriting cases with desired level of quality and enabling achievement of Branch Business target. • Manage the changes in credit policy as per market requirements to maintain healthy portfolio quality. • Efficiently manage the under process files and ensure adherence to TAT. • Train the CPAs and manage the team to ensure optimum productivity. • Maintains the privacy of customer information and the security of all records. • Adheres to organizational policies and procedures. Show less



Axis Securities Limited

• India
• Financial Services
• 700 & Above Employee

• Credit Associate

  • Apr 2018 - May 2019

  • Checking and accepting the sourced files as per bank policies. • Performing data entry in fin one ( CAS ) • Handling / coordinating Field Investigation (FI) and Risk Control Unit (RCU) • Generating and checking Credit Information Bureau India Limited (CIBIL) report. • Verifying the customer track record and ascertaining their credit worthiness • Preparation of Credit Appraisal Memo (CAM) • Calculating eligibility and checking Fixed Obligation Income Ratio (FOIR) • Interacting with customer through telephone for analyzing queries, loan inquiries and to know the business setup and enduse of the loan. • Recommend the file for decision making (credit manager) based on policy norms within the permitted TAT. Show less