Senior Manager Financial

MEETANSHU MITTAL

Villa No **, Century Homes, Jagdish Nagar, Mansarover, Jaipur, Rajasthan, India.

+91 (0-900*-***-*** *********.******@*****.***

PROFESSIONAL SUMMARY:

Financial Manager bringing 11 years of experience in credit, operations for loan regulations, and procedures within diverse retail and asset verticals of the financial industry. Catering client needs and solving them with experience knowledge & creating a good portfolio along with commercial loan management.

SKILLS:

Operations management

Complete use of Microsoft office suite

Data and business analysis

Financial transformation expertise

Experienced with Finacle and FinnOne software

Risk analysis and management

WORK HISTORY:

Senior Manager in SBB (Small Business banking) at Indusind Bank Dec 2022 till Date

Managing the entire team of Jaipur Region by analyzing the credit worthiness with proper checks of ABS, banking conduct, cibil scores and ratio analysis with respect to company policies and cross checking the CMA.

Evaluating the risk limits with different parameters, tools and maintaining regulatory compliances.

Conducting ratio analysis and other parameters within TAT with proper hygiene checks as per the norms of the company

Checking the product feasibility with the customer requirement to offer CC, OD, BG, buyer credit, EPC, PCFC etc

Assess the P&L, B/S, ITR, ledgers, statements and cross checking with the secured and unsecured ongoing loans and then deciding the LTV limit accordingly.

Manager in SME (Small Medium Enterprise) CBG at Axis Bank June 2021 till Dec 2022

Managing the entire team of western Rajasthan by monitoring of the current regulatory environment over the business leads by analysis them through proper checks of ABS, banking conduct, cibil scores and ratio analysis with respect to company policies and suggesting the changes to credit policy as per competitive changing requirements.

Analyzing and evaluating the risk limits with different parameters, tools and maintaining regulatory compliances.

Generating the score of SME customers along with the analysis of ratios and other parameters within TAT with proper hygiene checks as per the norms of the company

Checking the product with the customer requirement whether it is feasible to give CC, OD, BG, FDOD etc

Assess the P&L, B/S, ITR, statements and cross checking with the secured and unsecured ongoing loans and then deciding the LTV limit and credit worthiness accordingly.

Area Credit & operation manager at Cholamandalam (in bharatpur) June 2018 – April 2021

Investigated and evaluated customers for creditworthiness and potential risk factors.

Analyzed customer data such as financial statements to determine the level of risk involved for extending credit by setting up the product, customer category comfort with LTV.

Conducted presentations to upper management and executive teams for loan recommendations along with regulatory compliances.and credit policy.

Spearheaded credit control measures to minimize downtime and propel quality business portfolio.

Implemented credit proposals process by CAM and 1 pager which enhanced productivity and maintained our service TAT.

Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.

Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new proposals.

Optimized credit approval and collection processes, improving operational efficiencies by over 90%.

Deputy Manager at Fullerton India Credit Ltd, Sept 2017 – June 2018

Handled a team of the LAP and HL segment. Formulation of the strategy for the active working and taking decision according to the profile.

Monitor credit granting and updating the process within TAT.

Validation of legal, technical reports and initiating the proposals with concerned authorities.

Identified the concerns and mitigates with direct discussion and personal discussion with customers.

Performed data analysis of the company to strategize and implement the new strategy for high business volume with feasible credit model for new and existing customers.

Drafted the credit policy notes, underwriting proposals & documents for the corporate and individual clients.

Assistant Manager at Capital First, Aug 2016 – Aug 2017

Monitored the entire operational flow of the data from CPA till disbursement.

Problem resolution for clients while ensuring good customer satisfaction and maintain the proper software & financial analysis like P&L, balance sheets, credibility etc.

Designed the business model with core understanding of primary & secondary research of the competitors’ policies regarding the product line, with the orientation to enhance volume

Represented the voice of the customers and contributing to the development and maintenance of the available software tools by working closely with the software team.

Customer retention by developing professional relationships with customers and understanding their key concerns and resolving them through available means.

Assistant Manager at AXIS Bank, June 2014 – Aug 2016

Conceptualised and ran local brand awareness campaigns physically and digitally along with my sales team in week sprints which increased saving and current account customers.

Designed the large corporate proposals for the key clients like Shree cement, Ambhuja etc.

Maintained the MIS and submitted the reports timely with proper analysis and feedback.

Implemented the awareness campaign aimed at employees of corporate clients such as Shree Cement and Ambuja Cement, L&T that aimed to showcase the Axis bank digital featured products and resulted in gaining employee salary accounts.

Financial advisor for the customer's different investment vehicles such as investment inquiries on available investment vehicles RD, FD, Loans, loans against property, Life insurance, saving, and current accounts.

Marketing Manager at Honey Enterprise July 2011 – June 2012

Managed Inventory, planned resources, and strategize marketing activities.

Managing the promotional activities & coordinating with the retailers, distributors for the products.

Business Analyst at Sigmatech July 2012 – June 2014

Analyzing the projects from abroad and allocating it to the developer team.

Working with director and developer team closely for timely completion of projects.

EDUCATION / QUALIFICATIONS:

MBA: Finance and Marketing [Dual specialisation], Sep 2012 – June 2014

Amity University - Jaipur

Bachelor of Technology: Biotechnology, Aug 2007 – June 2011, published a research paper at CDAC.

Jaipur National University - Jaipur

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