PRATIKKUMAR HITENDRAKUMAR Gor
Wembley,Brent
Summary
Accomplished professional with extensive expertise in credit control proficiency and loan underwriting techniques. Demonstrates a strong aptitude for leadership and a deep understanding of both secured and unsecured lending practices. Skilled in developing company credit policies, executing collections strategies, and maintaining customer relationships while ensuring client confidentiality. Adept at navigating bankruptcy proceedings and coordinating documentation to support informed credit decisions. Committed to leveraging skills in credit control procedures implementation to drive organisational success.
Experienced professional focused on credit management with proven track record of optimising credit control processes and reducing outstanding debt.
Overview
9
9
years of professional experience
5
5
years of post-secondary education
Work history
CREDIT MANAGER
RBL BANK LTD
VADODARA, INDIA
2023.02 - 2024.03
- Check customer application & review as per company credit policy and take credit decision.
- prepare the case in credit systems and make all the check (Like AML, Fraud, Market Risk, Reference Check Etc & Send case for approval
- inspection of customer property before do final approval
- Managed Over 40 customer calls per day
- provided expert advice on possible financial risks associated with specific transactions or customers.
- Assisted in the formulation of annual budgets, ensuring optimal resource allocation.
- Worked closely with sales teams to ensure smooth transaction processes for clients.
- Monitored industry trends and changes in regulations keeping abreast with important information.
- Reviewed legal documents related to loan agreements meticulously for accuracy and compliance.
- Conducted comprehensive credit risk assessments for improved lending decisions.
- Enforced strict adherence to all regulatory guidelines pertaining to lending activities mitigating potential legal risks.
- Managed a team of credit analysts, improving overall department performance.
- Facilitated the training and development of junior staff members, enhancing their skills and knowledge in credit management.
- Increased client satisfaction by promptly responding to inquiries and resolving issues.
- Conducted credit checks and monitored credit alerts.
- Contacted customers about overdue payments by phone, letter and email.
- Interviewed customers to assess current and projected financial positions.
- Prepared documentation on loan repayment feasibility.
- Documented client applications for personal, business and mortgage loans.
- Met with applicants to collect information about personal histories, current loans and income.
Credit manager
SARVAGRAM FINCARE PVT LTD|
VADODARA, INDIA
2021.05 - 2023.01
- Monitored industry trends and changes in regulations keeping abreast with important information.
- Increased client satisfaction by promptly responding to inquiries and resolving issues.
- Alleviated financial risk through thorough analysis of clients' credit history.
- Reviewed legal documents related to loan agreements meticulously for accuracy and compliance.
- Assessment of suitability of risks (renewals and new business), pricing exposures in accordance with approved rating model, discretionary pricing mechanisms, and general business unit guidelines.
- Identify the need for and evaluate additional risk assessment information including Underwriter Representatives' reports, actuarial
- Undertake monthly reviews of new applications set-up, formal offers, data accuracy on origination systems and completions. And financial reports and statements; and any / all other publicly available information.
- Ensure all required credit, AML, and Land Registry searches (together with any other documentation as required) are completed accurately and are attached to the case for underwriting assessment(s).
- Update searches in the event they expire during the process.
- Provide assistance with the valuation processes, updating the origination system as required and proactively chasing any requirements needed from valuers for the underwriter to proceed to offer.
- Ensure brokers receive excellent client service during the offer sanctioning process, providing regular updates, and proactively chasing requirements to support a swift turnaround for offer.
- Efficiently produce high quality and accurate mortgage documentation upon a loan being sanctioned.
- Manage all key data requirements, ensuring data entry are accurate and completing any remediation required.
- Accurately input appropriate data into the Phoebus system.
- Support the division with any general administrative needs as required
CREDIT MANAGER
AADHAR HOUSING FINANCE LTD
VADODARA, INDIA
2018.02 - 2021.04
- Assess borrower financials, credit profiles, and property valuations to deliver well documented, compliant lending decisions.
- Manage and progress a pipeline of cases, working closely with intermediaries and third parties through to offer.
- Underwrite bridging loan applications within company lending criteria and funding partner guidelines by employing quality and clear lending decisioning.
- Manage a complex pipeline of cases in a fast-paced environment, dealing with a high-volume workload, prioritising key tasks to meet deadlines accordingly whilst maintaining excellent customer service throughout.
- Managing all cases through from enquiry stage to completion in a timely and efficient manner.
- Preparing and Reviewing Loan Documentation to be circulated to third party stakeholders.
- Identify and be alert to the risks attributed to the loan application including fraud and money laundering.
- Build and maintain strong relationships with brokers, valuer, and solicitor partners as well as internal stakeholders.
- Follow and keep up to date with current best practice and regulatory requirements in line with company training.
- Keep all internal systems up to date, inclusive of effective record keeping and accurate notes.
- Negotiated repayment plans with delinquent customers, reducing company losses.
Assistant credit Manager
BAJAJ FINANCE LTD
NADIAD, INDIA
2016.12 - 2018.02
- Carried out day-to-day duties accurately and efficiently.
- Increased customer satisfaction by resolving issues.
- Quickly learned and applied new skills to daily tasks, improving efficiency and productivity.
- Successfully delivered on tasks within tight deadlines.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Managing all cases through from enquiry stage to completion in a timely and efficient manner.
- Preparing and Reviewing Loan Documentation to be circulated to third party stakeholders.
- Identify and be alert to the risks attributed to the loan application including fraud and money laundering.
- Build and maintain strong relationships with brokers, valuer, and solicitor partners as well as internal stakeholders.
- Follow and keep up to date with current best practice and regulatory requirements in line with company training.
- Keep all internal systems up to date, inclusive of effective record keeping and accurate notes.
CREDIT OFFICER
MAS HOUSING AND RURAL FINANCE LTD
ANAND, INDIA
2016.04 - 2016.12
- Coordinated with sales team to achieve common business objectives.
- Reviewed and updated credit applications, ensuring accuracy at all times.
- Reduced risk by assessing the creditworthiness of potential clients.
- Utilised advanced Excel functions for efficient data analysis and reporting.
- Educated clients on loan products available to facilitate decision-making, describing complex terms in easy-to-understand language.
- Prepared monthly statements and followed up on overdue balances by telephone or email.
- Maintained electronic log of communications with customers in respect to outstanding payments.
- Oversaw and coordinated application process of loan closings from enquiry to completion.
Credit processing associate
ICICI BANK LTD (I Process)
VADODARA, INDIA
2014.11 - 2016.03
- Carried out day-to-day duties accurately and efficiently.
- Successfully delivered on tasks within tight deadlines.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Supported team by demonstrating respect and willingness to help.
Education
Master of Business Administration - FINANCE
GUJARAT TECHNOLOGICAL UNIVERSITY
Ahmedabad 2011.06 - 2013.06
Bachelor of Business Administration - INTERNATIONAL BUSINESS
SARDAR PATEL UNIVERSITY
ANAND 2008.06 - 2011.06
Skills
- Leadership aptitude
- Unsecured lending practices
- Bankruptcy proceedings insight
- Credit control proficiency
- Loan underwriting techniques
- Client confidentiality assurance
- Company credit policy development
- Secured lending practices
- Collections strategy execution
- Customer relationship maintenance
- Credit control procedures implementation
- Credit decisions expertise
- Document coordination
Accomplishments
Best Customer Services -Award
Best Underwriter For Secured loan in Region
Best Branch Ranking Award (Top 3 Position )
Timeline
CREDIT MANAGER
RBL BANK LTD
2023.02 - 2024.03
Credit manager
SARVAGRAM FINCARE PVT LTD|
2021.05 - 2023.01
CREDIT MANAGER
AADHAR HOUSING FINANCE LTD
2018.02 - 2021.04
Assistant credit Manager
BAJAJ FINANCE LTD
2016.12 - 2018.02
CREDIT OFFICER
MAS HOUSING AND RURAL FINANCE LTD
2016.04 - 2016.12
Credit processing associate
ICICI BANK LTD (I Process)
2014.11 - 2016.03
Master of Business Administration - FINANCE
GUJARAT TECHNOLOGICAL UNIVERSITY
2011.06 - 2013.06
Bachelor of Business Administration - INTERNATIONAL BUSINESS
SARDAR PATEL UNIVERSITY
2008.06 - 2011.06