Profile Summary
Dynamic and results-driven professional with extensive experience in credit and operations management. Proven expertise in assessing creditworthiness, managing risk, and ensuring compliance with regulatory standards. Skilled in streamlining operations, optimizing processes, and enhancing efficiency to support business growth. Adept at building strong client relationships, resolving issues, and implementing effective credit policies. Known for excellent leadership, analytical, and communication skills. Committed to continuous improvement, delivering exceptional results, and driving organizational success in a competitive environment. Passionate about fostering long-term client partnerships and maintaining high standards of operational excellence.
KEY SKILLS
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Employment History
Area Credit and Operation Manager at Cholamandalam Investment and Finance Company Limited, Dehradun
November, 2022 - Present
- Underwriting and making credit decisions for Business Loans, Professional Loans, Personal Loans and forwarding proposals for senior leval empowerment.
- Handling credit operations from login to disbursement and addressing related issues.
- Conducting regular training for DSA, FCU/FI, and PD agencies.
- Collaborating with managers to meet sales targets and increase business opportunities.
- Addressing audit queries and maintaining a good audit score.
- Managing collections for front-end and delinquent cases, maintaining portfolio health.
- Providing assistance to customers with their queries, requests, and complaints.
- Monitoring and analyzing portfolio performance to identify trends and mitigate risks.
- Coordinating with legal teams to handle loan documentation and compliance issues.
- Liaising with external agencies for field investigations and credit verifications.
- Preparing detailed credit reports and presenting findings to senior management.
- Optimizing collection strategies to enhance recovery rates and minimize defaults.
Branch Credit Manager at HDB Financial Services Ltd., Roorkee
August, 2018 - November, 2022
- Assessed and approved loan applications, ensuring adherence to credit policies and guidelines.
- Conducted detailed credit analysis and risk assessment for potential borrowers.
- Managed the entire credit process, from application review to final disbursement.
- Monitored and maintained the credit portfolio, ensuring timely repayments and minimal defaults.
- Coordinated with sales and collections teams to streamline loan processing and recovery.
- Implemented credit policies and procedures to mitigate risks and enhance portfolio quality.
- Conducted periodic reviews of existing loan accounts to reassess creditworthiness.
- Prepared and presented credit performance reports to senior management.
- Addressed and resolved client queries and issues related to loan processing and approvals.
Credit Manager at Tata Capital Housing Finance Ltd., Dehradun
February, 2018 - August, 2018
- Evaluated creditworthiness of loan applicants and made credit decisions.
- Managed the end-to-end credit operations from application login to disbursement.
- Conducted detailed risk assessments and recommended appropriate credit limits.
- Coordinated with legal teams for loan documentation and compliance issues.
- Oversaw collections for front-end and delinquent cases to maintain portfolio health.
Branch Credit Manager at HDB Financial Services Ltd., Bareilly & Moradabad
January, 2016 - February, 2018
- Evaluated and approved loan applications based on creditworthiness and risk assessment.
- Managed the credit approval process, ensuring compliance with company policies.
- Conducted financial analysis and background checks of loan applicants.
- Monitored and reviewed existing credit accounts to identify potential risks.
- Collaborated with sales teams to provide insights on credit policies and assist in customer acquisition.
- Prepared and presented credit reports and analyses to senior management.
- Developed and implemented strategies to minimize bad debt and enhance portfolio quality.
- Ensured compliance with regulatory requirements and internal credit policies.
Branch Credit Manager at Karvy Financial Services Ltd., Dehradun
September, 2014 - June, 2015
- Evaluated credit applications and assessed borrower creditworthiness.
- Managed the credit approval process to ensure compliance with company policies.
- Analyzed financial statements and credit reports to make informed lending decisions.
- Monitored loan portfolios to identify and mitigate potential risks.
- Collaborated with sales teams to support business development and achieve lending targets.
- Conducted due diligence and background checks on prospective borrowers.
- Prepared and presented credit proposals to the credit committee for approval.
Credit Relationship Manager at HDB Fin. Services Ltd., Haridwar
April, 2014 - September, 2014
- Evaluated and processed credit applications to assess borrower eligibility.
- Managed relationships with clients to maintain and grow the loan portfolio effectively.
- Analyzed financial data and credit reports to make informed lending decisions.
- Conducted due diligence and risk assessments on potential borrowers to mitigate risks.
- Prepared detailed credit proposals and presented them for approval.
- Ensured compliance with company policies and regulatory requirements in all credit operations.
Credit Officer at Shubham Housing Development Fin. Company Pvt. Ltd.
October, 2013 - April, 2014
- Assessed creditworthiness of applicants and processed housing loan applications.
- Conducted thorough financial analysis and risk assessment for loan approvals.
- Managed customer relationships and provided financial guidance for housing loans.
- Ensured compliance with company policies and regulatory requirements in all credit operations.
- Monitored loan portfolios to identify and mitigate potential risks.
- Prepared and presented detailed credit reports for management review.
Branch Credit Executive at Fullerton India Credit Company Ltd.
November, 2009 - October, 2013
- Evaluated credit applications and analyzed financial statements for loan approvals.
- Managed credit operations and ensured adherence to company policies.
- Conducted field visits and background checks for credit verification.
- Prepared credit proposals and presented them to the credit committee.
- Monitored loan disbursements and repayments to minimize defaults.
- Provided training and support to junior credit officers.
- Maintained strong relationships with customers to enhance portfolio quality.
Sales & Credit Executive at Bajaj Auto Finance Ltd., Roorkee
October, 2006 - November, 2009
- Assessed creditworthiness of loan applicants and processed auto loan applications.
- Managed customer interactions and provided financial advice for auto loans.
- Conducted financial analysis and risk assessment for loan approvals.
- Ensured timely processing and disbursement of approved loans.
- Collaborated with sales teams to achieve monthly loan targets.
- Conducted field visits and verification of applicant documents.
Education
Diploma (Business Administration (Finance))
Sikkim Manipal University
Diploma (Commerce)
H.N.B Garhwal University
2006
PRAMOD DUTT SAILWAL
Basic Details
Gender -
Male
Date of Birth -
1983-06-10
Marital Status -
Married
Languages
English
Hindi
Skills
Microsoft Office - (Microsoft Word, Excel, PowerPoint, Outlook)