JIGNESH SAVALIYA
LONDON,UNITED KINGDOM
Summary
Experienced professional focused on credit management with proven track record of optimising credit control processes and reducing outstanding debt. Achieve substantial improvements in cash flow and risk mitigation through strategic planning and implementation of robust credit policies. Utilise strong analytical skills and collaborative approach to drive financial stability and support business growth. Results-driven Credit Manager with knack for transforming financial operations and enhancing credit risk management. Led teams to streamline credit processes, significantly reducing delinquency rates and improving cash flow. Known for fostering collaborative environments that drive strategic growth and operational efficiency.
Overview
12
12
years of professional experience
5
5
years of post-secondary education
Work history
Account manager
Helsy infotech pvt ltd
surat, india
06.2021 - 01.2025
- Established strong rapport with clients through regular communication.
- Coordinated with finance department to manage account finances efficiently.
- Prepared detailed reports to provide insight into account performance.
- Managed business relationships to ensure loyalty and long-term commitment.
- Delivered high level of service to clients to maintain and extend relationships for future business opportunities.
- Delivered high sales performance within budget to strict deadlines and targets.
Branch credit manager
Indusind bank ltd
surat, india
06.2018 - 06.2021
- Carried out day-to-day duties accurately and efficiently.
- Successfully delivered on tasks within tight deadlines.
- Quickly learned and applied new skills to daily tasks, improving efficiency and productivity.
- maintain branch portfolio
- credit underwriting and analysis of financial documents
- accept and reject the staff credit recommendation
- sanction power up to 30 lac and monitoring disbursement process
Branch credit manager
DHFL
surat, india
11.2016 - 06.2018
- Carried out day-to-day duties accurately and efficiently.
- Successfully delivered on tasks within tight deadlines.
- Quickly learned and applied new skills to daily tasks, improving efficiency and productivity.
- maintain branch portfolio
- credit underwriting and analysis of financial documents
- accept and reject the staff credit recommendation
- sanction power up to 30 lac and monitoring disbursement process
Credit officer
ujjivan Financial services ltd
Surat, India
06.2015 - 10.2016
- Identified potential risks, ensuring secure lending practices.
- Reduced risk by assessing the creditworthiness of potential clients.
- Streamlined loan application process to enhance customer experience.
- Managed portfolio of loans to maintain profitability and reduce loss exposure.
- Coordinated with sales team to achieve common business objectives.
- Maintained accurate documentation for accountability and future reference.
- Interviewed customers to assess current and projected financial positions.
Credit processing associate
Kotak Mahindra Bank Ltd
Surat, India
08.2014 - 05.2015
- Streamlined administrative tasks to decrease processing time for credit applications.
- Adhered strictly to legal guidelines during all stages of credit processing.
- Maintained up-to-date knowledge on regulatory changes affecting credit processing, facilitating compliance at all times.
- Collaborated with the sales team to expedite the credit approval process, increasing efficiency within the department.
- Compiled detailed reports on processed credits, ensuring transparency in operations.
Branch relationship officer
SBI card
Surat, India
04.2013 - 07.2014
- Completed documentation for lines of credit and loans on behalf of customers.
- Reviewed and submitted applications to management with recommendations.
- Met with applicants to collect information about personal histories, current loans and income.
- Evaluated consumer data to identify improvement gaps and opportunities.
- Streamlined the process of loan applications, reducing waiting times for customers.
Education
Master of Business Administration - finance
Gujarat technological university
India 07.2011 - 05.2013
Bachelor of Business Administration - finance
Bhavnagar university
India 06.2008 - 04.2011
Skills
- Team Leadership
- Account management
- Process Improvement
- Team training
- Credit control procedures implementation
- Unsecured lending practices
- Company credit policy development
- Credit decisions expertise
- Credit control proficiency
- Credit analysis techniques
- Loan underwriting techniques
- Credit risk analysis
- Risk evaluations
Timeline
Account manager
Helsy infotech pvt ltd
06.2021 - 01.2025
Branch credit manager
Indusind bank ltd
06.2018 - 06.2021
Branch credit manager
DHFL
11.2016 - 06.2018
Credit officer
ujjivan Financial services ltd
06.2015 - 10.2016
Credit processing associate
Kotak Mahindra Bank Ltd
08.2014 - 05.2015
Branch relationship officer
SBI card
04.2013 - 07.2014
Master of Business Administration - finance
Gujarat technological university
07.2011 - 05.2013
Bachelor of Business Administration - finance
Bhavnagar university
06.2008 - 04.2011
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