• Overseeing end-to-end credit underwriting for BL, LAP, and HL portfolios across the state, ensuring high-quality credit decisions aligned with risk appetite and policy norms.
• Leading a high-performing team of 35 credit professionals, including credit managers, underwriters, and support staff, ensuring seamless coordination.
• Developing and executing state-level credit strategies in alignment with central risk and business teams, driving portfolio growth while maintaining NPA levels.
• Managing a diverse portfolio, monitoring asset quality, credit utilization, and risk metrics to maintain a healthy book and drive sustainable growth.
• Analyzing complex financial statements, cash flows, and market trends to assess borrower creditworthiness and ensure robust risk assessment across varied borrower profiles.
• Instituting early warning systems and portfolio health monitoring tools, proactively reducing delinquencies and slippages by 20-25%.
• Ensuring adherence to regulatory frameworks, internal credit policies, and audit recommendations, maintaining 100% compliance across all credit operations.
• Contributing to digital transformation initiatives in credit operations, including the rollout of LOS/LMS upgrades.

• Designed and executed credit policies, risk frameworks, and underwriting standards for Affordable Home Loans across North Gujarat.
• Conducted due diligence, branch visits, and promoter assessments to evaluate business viability, creditworthiness, and operational risk.
• Prepared financial projections aligned with historical trends and future growth plans of borrower businesses.
• Led credit operations across 15 branches, managing 4 Cluster Managers, 12 Branch Credit Managers, and 13 Credit Officers.
• Oversaw the full credit lifecycle, including proposal appraisal, risk profiling, documentation review, and policy compliance.
• Approved and disbursed loans post credit validation, maintaining portfolio quality, audit compliance (<0.1% queries), and regulatory standards.
• Implemented disciplined collection strategies, fraud controls, and maintained delinquency rates below 0.03%; set KPIs and reviewed recovery performance.
• Drove robust credit culture through monitoring, credit scoring, monthly performance reviews, underwriting delegation, and credit training (PD).
• Identified process gaps via audits, updated workflows, and collaborated with stakeholders to embed compliance, resolve credit issues, and expand business reach.

• Oversaw regional credit underwriting for affordable housing and LAP, focusing on low-income segment borrowers.
• Assessed creditworthiness using both traditional and alternative scoring models to drive financial inclusion.
• Led and trained credit teams across branches, streamlining risk assessments and improving loan approval TAT.
• Partnered with sales and ops teams to align credit risk with growth targets, meeting disbursement goals effectively.

Regional Credit Manager ( April, 2019 – July, 2020)

• Oversaw credit evaluation processes and regional exposure monitoring, ensuring alignment with institutional credit strategy and compliance parameters.
• Reviewed complex credit submissions and facilitated informed decision-making through thorough financial interpretation and sectoral benchmarking.
• Developed localized credit surveillance frameworks to detect early signs of portfolio stress and initiate timely mitigation measures.
• Coordinated with internal teams to realign repayment structures for underperforming accounts, ensuring preservation of asset value.
• Enhanced credit assessment protocols and contributed to refining risk acceptance criteria to improve portfolio quality.
• Contributed to credit committee discussions by preparing detailed risk narratives and assessment summaries for critical exposures.

Cluster Credit Manager ( April, 2018 – April, 2019 )

• Spearheaded credit underwriting and portfolio management for multiple branches within the cluster, ensuring alignment with risk appetite and regulatory norms.
• Conducted comprehensive financial and operational analysis to assess borrower creditworthiness and support sound lending decisions.
• Collaborated with cross-functional teams to streamline the loan approval process while maintaining high standards of credit discipline.
• Led periodic portfolio reviews to identify high-risk exposures and recommended proactive restructuring strategies to safeguard asset quality.
• Implemented early warning systems and credit monitoring frameworks to strengthen default detection and recovery processes.
• Mentored and trained branch credit officers on credit policies, due diligence procedures, and documentation protocols to enhance team effectiveness.

• Managed the end-to-end credit process for Home Loans (HL), Loan Against Property (LAP), SME, and Micro Loans across Gujarat, ensuring robust credit assessments and compliance with internal policies.
• Led a team of credit officers in evaluating loan applications, conducting risk assessments, and implementing strategies to improve portfolio quality and reduce delinquency rates.
• Collaborated with cross-functional teams to streamline loan approval processes, reduce turnaround time, and ensure smooth disbursements and collections.
• Provided strategic insights to senior management, refining credit policies, enhancing product offerings, and identifying market opportunities to drive portfolio growth.
• Cultivated strong relationships with key stakeholders including branch managers, external partners, and corporate clients to support business development and loan portfolio growth.
• Monitored loan portfolio performance, tracking KPIs and conducting regular reviews to ensure alignment with organizational goals and mitigate risks.
• Trained and mentored junior credit officers, enhancing their skills in credit analysis and decision-making, while fostering a high-performing team culture.
• Pioneered initiatives to expand the bank’s presence in underserved regions, contributing to the growth of the SME and Micro Loan segments.

• Conducted detailed credit assessments to evaluate borrower creditworthiness, ensuring alignment with company risk standards.
• Managed the end-to-end loan approval process, reviewing credit applications, documentation, and ensuring timely disbursements.
• Monitored loan portfolio performance, identifying risks and recommending strategies to mitigate credit exposure.
• Built and maintained strong borrower relationships, ensuring transparency and satisfaction throughout the credit process.
• Developed strategies to mitigate credit risks, including personalized risk mitigation plans for high-risk clients.
• Ensured compliance with internal credit policies and regulatory guidelines, maintaining a risk-free loan process.

• Optimized key operations, reducing processing time and improving service efficiency to enhance customer satisfaction.
• Handled claims and policy administration, ensuring timely, accurate settlements in compliance with company guidelines.
• Led cross-functional teams and trained new recruits on operational procedures and compliance, fostering a high-performance culture.
• Managed operational data and generated KPI reports for senior management, supporting data-driven decision-making and continuous improvement.

• Assessed and analyzed the financial standing of potential clients to ensure alignment with the organization’s risk parameters and regulatory guidelines.
• Formulated and executed strategies to minimize exposure to credit risks, improving the overall quality and stability of the portfolio.

• Spearheaded financial reporting and reconciliation processes in line with international accounting standards, ensuring timely closures.
• Analyzed variances and prepared detailed financial reports to support strategic decision-making by regional finance leadership.

• Oversaw financial period closures, ledger validation, and regulatory reporting in alignment with RBI norms.
• Executed internal reviews across branches to evaluate control effectiveness and policy compliance.

• Conducted market research and data collection to support strategic business decisions, identifying trends and opportunities for growth in various regions.
• Developed strong client relationships by providing timely support and ensuring a high level of customer satisfaction, contributing to repeat business and referrals.