Sep 2022 – Jul 2024 · 1 yr 10 mos · Gujarat, Madhya Pardesh & chhattisgarh · On-site

• Worked as a State Business Head across Gujarat, Madhya Pradesh, and Chhattisgarh with a strong focus on achieving quality business outcomes and sustainable growth.
• Drove the growth of a quality-oriented portfolio, ensuring that business acquisitions met rigorous standards for risk and profitability. Consistently met and exceeded business targets through careful market analysis, competitive positioning, and targeted business strategies that accounted for both opportunities and challenges in each region. Provided in-depth recommendations for credit policies by analyzing risk profiles and competitive offerings, which enabled the development of credit structures that balanced growth with risk management.
• This ensured that policies were not only effective but also responsive to market needs. Assembled and mentored teams across three states, cultivating a collaborative and results-driven environment. Emphasized training, development, and accountability to empower teams in achieving business targets and contributing to the organization’s long-term success.
• Designed and executed tailored business strategies to address regional market dynamics, ensuring that each strategy aligned with the company’s growth objectives and strengthened our market position.

Apr 2022 – Aug 2022 · 4 mos · Gujarat, Madhyapradesh & Chattisgarh · On-site

• In a span of just 5 months, successfully scaled up operations by rapidly hiring a skilled workforce, carefully selecting top talent from various industries across all locations. Focused on building a high-performing team capable of driving business growth from the outset.
• Took the initiative to independently source business from Channel Partners, effectively establishing strong relationships that would serve as a solid foundation for the upcoming team. This strategic move ensured the new team had access to a ready-made market for business generation, fostering early success.
• As a result of these efforts, within just four months, the disbursement volume from Gujarat State surged to nearly ₹10 Cr, marking a significant achievement in business growth and operational efficiency. This success was driven by a combination of strategic hiring, relationship building, and effective market penetration.

Jul 2019 – Apr 2022 · 2 yrs 9 mos · Gujarat, India · On-site

• Led the Ahmedabad and Bhavnagar locations in Gujarat with Fullerton India Home Finance Company Ltd., managing a team of 15 Sales Managers and 2 Direct Sales Teams. Utilized extensive underwriting experience to guide the team in generating quality business at competitive interest rates.
• Consistently achieved business targets and received recognition from senior management for building a strong loan portfolio for both branches. Successfully implemented a pre-login due diligence process, including personal discussions with customers to assess financial needs and repayment capacity, ensuring high-quality loan proposals.
• Achieved a 90% month-on-month sanctioning ratio with 90%-95% disbursement of sanctioned cases, supported by effective screening and filtering practices. Built strong relationships with corporate channel partners and DSAs, driving incremental business growth and establishing a solid market presence.

Oct 2015 – Jul 2019 · 3 yrs 9 mos · Mumbai, Gujarat · On-site

• A highly skilled credit professional with extensive experience in appraising Housing Loans and Loans Against Property, specializing in big-ticket loans up to ₹10 Cr. Led a team of 10-12 Credit Managers, earning recognition for exceptional loan structuring tailored to customer needs and risk assessment.
• Entrusted with managing the overall credit portfolio for Mumbai, ensuring seamless credit flow, adherence to TAT, timely closure of PDDs, and recommending proposals to the Regional and National Credit Managers. Regularly collaborated with Channel Partners and Business Teams, fostering strong relationships to drive growth.
• Adept at training Sales Teams, Credit Managers, and Channel Partners on product policies and processes to ensure efficient operations. Successfully managed vendor relationships, overseeing lawyers, CAs, valuers, and FI agencies for the region.
• Demonstrated expertise in handling high-volume disbursements, managing ₹100-₹150 Cr monthly, and holding CAD authority of ₹1 Cr for Housing Loan and LAP products.

Jun 2012 – Oct 2015 · 3 yrs 4 mos · Mumbai, Maharashtra, India · On-site

• A seasoned credit professional with extensive experience in appraising Housing Loans and Loans Against Property across both small and large ticket sizes, managing a team of Credit Officers and CPAs. Recognized for exceptional skills in structuring loan proposals tailored to customer requirements and risk profiles, with notable expertise in the dynamic Mumbai market.
• Played a key role in managing the overall credit portfolio for Ahmedabad, ensuring smooth credit flow, adherence to TAT, timely closure of PDDs, and recommending proposals to the Regional Credit Manager and Zonal Credit Head.
• Conducted regular training sessions on product policies and processes for Sales, Credit Ops, CPA resources, and Channel Partners to enhance operational efficiency and compliance. Oversaw vendor management, including appointments of lawyers, CAs, valuers, and FI agencies for the region.
• Pioneered the opening of Ahmedabad Branch, the first in Gujarat State, and contributed as a founding member. Additionally, served as a Hub Underwriter at the Mumbai Credit Underwriting Hub for two years, honing expertise in high-stakes credit environments.

May 2010 – May 2012 · 2 yrs · Ahmedabad, Baroda & Rajkot · On-site

• An accomplished professional with extensive experience in credit appraisal of Housing Loans and Loans Against Property across small and large ticket sizes. Led and mentored a team of Assistant Credit Managers and CPAs, earning consistent appreciation for exceptional underwriting skills and tailored loan structuring based on customer needs and risk assessment.
• Entrusted with managing the overall credit portfolio for Ahmedabad, Baroda, and Rajkot branches, ensuring seamless credit flow, adherence to TAT, timely closure of PDDs, and recommending proposals to the Regional Credit Manager and Business Head.
• Adept at conducting regular training sessions on product policies and processes for Sales, Credit Ops, CPA resources, and Channel Partners, driving operational efficiency and compliance. Proficient in vendor management, overseeing appointments of key stakeholders such as lawyers, CAs, valuers, and FI agencies for the region.
• Streamlined the loan disbursement process, delivering superior customer satisfaction and receiving accolades from clients for excellent service delivery.

Aug 2008 – Jun 2009 · 10 mos

• Proficient in credit appraisal of Loans Against Property with a sanction authority of ₹30 lakhs, ensuring accurate assessments and risk mitigation. Successfully managed a team of Assistant Credit Managers and CPAs, fostering efficiency and collaboration. Demonstrated expertise in structuring loan proposals aligned with customer requirements and risk factors.
• Conducted regular training sessions on product policies and processes for sales, credit operations, and CPA resources to ensure smooth functioning.
• Oversaw appointments and vendor management for the region, coordinating with lawyers, CAs, valuers, and FI agencies to maintain operational excellenc

Jul 2007 – Feb 2008 · 7 mos · Ahmedabad, Gujarat, India · On-site

• Skilled in underwriting and credit appraisal, with a proven ability to manage branch operations and a diverse loan portfolio, including secured and unsecured loans.
• Ensured compliance with credit policies, conducted detailed evaluations of loan proposals, and mitigated risks by preventing fraud. Focused on quality business sourcing through team collaboration and optimized branch processes for seamless operations.

Apr 2006 – Jul 2007 · 1 yr 3 mos · Ahmedabad, Gujarat, India · On-site

• Worked as a Operation officer at Head office in Ahmedabad. Established quality standards across operational areas, strengthening internal controls to ensure compliance and efficiency. Through branch visits across India, provided management with actionable insights for improving loan sanctioning and disbursement processes.
• Managed the MIS for disbursements, NPAs, and other critical business reports, supporting top-level decision-making. Additionally, streamlined branch operations and credit procedures, aligning them with company standards.
• My role also involved training branch employees on credit, technical, and legal evaluations, enhancing consistency across operations. Handled and documented customer grievances for regulatory audits, reinforcing a culture of accountability and customer satisfaction.
• This experience deepened my expertise in risk management, operational excellence, and process optimization within the organization.

Sep 2005 – Mar 2006 · 6 mos · Ahmedabad, Gujarat, India · On-site

• At Azure in Ahmedabad, I specialized in U.S. mortgage processing, focusing on underwriting loan applications per Fannie Mae and Freddie Mac guidelines. This role enriched my understanding of risk assessment, regulatory compliance, and underwriting standards essential to the U.S. mortgage market.
• My dedication and in-depth research earned me an offer to join Mortgage Tiger in the U.S. as a Trainer and Head of Operations, where I would lead and train teams to uphold high standards in mortgage operations. This opportunity marked a pivotal advancement in my career and underscored my commitment to the mortgage industry.

Aug 2003 – Jul 2005 · 1 yr 11 mos · Ahmedabad, Gujarat, India · On-site

• Following the successful completion of the Chartered Accountancy Foundation Examination, embarked on a comprehensive 3-year articleship that provided in-depth, hands-on experience in core areas of the profession.
• During this period, gained substantial expertise in the Income Tax Act, developing a strong understanding of tax planning, compliance, and assessments. Additionally, enhanced my skills in Financial Management, including budgeting, financial analysis, and strategic planning, which equipped me with valuable insights into effective financial decision-making.
• Articleship also covered Company Law, where handled various aspects of corporate governance, regulatory compliance, and statutory requirements. This experience laid a solid foundation for my career and deepened my knowledge in these key domains.