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Ashish Saini

@ashishsaini4

Branch Credit Manager at Cholemandalam Investment and Finance Company, assessing secured loans and monitoring repayments.

India

Message

At Cholemandalam Investment and Finance Company, I assess secured Loan Against Property applications using applicants’ financial information, credit reports, and property evaluations. I approve or reject loans, check legal and valuation details, and monitor repayments and bad debts.

Previously, I worked as a Branch Credit Manager at Piramal capital and housing finance limited and HDB Financial Services. My work covered secured and unsecured lending, regulatory compliance, loan payment monitoring, and follow-up on debt settlements and renewals.

I started in banking as an Assistant manager at Kotak Mahindra Bank Ltd., processing transfers and other banking transactions. I use advanced Excel, Python, and Tally ERP 9, and hold a Post Graduate Diploma in Banking from Institute of Finance, Banking and Insurance (NIIT-IFBI).

Experience

Work history, roles, and key accomplishments

Current

Branch Credit Manager

Current

Cholamandalam Investment and Finance Company

Jan 2023 - Present (3 years 10 months)

Secured loans (Loan Against Property) with approval authority of Rs. 50 lakhs and PD authority of Rs. 1 Cr. Approving and rejecting loans based on financial data, ensuring regulatory compliance, and monitoring loan payments and bad debts.

Credit Analysis Loan Approval Risk Assessment Regulatory Compliance CIBIL Legal and Valuation Microsoft Office Excel Python Tally ERP PF ESI

Branch Credit Manager

Piramal Capital and Housing Finance Limited

Jan 2023 - Dec 2023 (11 months)

Secured loans (Loan Against Property and housing loan) with approval authority of Rs. 25 lakhs and PD authority of Rs. 50 lakhs. Approving and rejecting loans based on financial data, ensuring regulatory compliance, and monitoring loan payments and bad debts.

Credit Analysis Loan Approval Risk Assessment Regulatory Compliance Legal and Valuation Microsoft Office Excel Python Tally ERP

Branch Credit Manager

HDB Financial Services

Jan 2019 - Dec 2023 (4 years 11 months)

Handled unsecured (PL, PL-Sal) and secured loans (LAP and Enterprises Business loan) with approval authority for both. Approved and rejected loans based on data, ensured regulatory compliance, monitored loan payments and bad debts, and followed up with clients for debt settlement and renewals.

Credit Analysis Loan Approval Risk Assessment Regulatory Compliance Debt Management Microsoft Office Excel Python Tally ERP

Branch Credit Officer

Shivalik Small Finance Bank Ltd.

Jan 2017 - Dec 2019 (2 years 11 months)

Handled secured loans including house construction, education, personal, business, cash credit, agriculture, auto, and equipment loans. Recommended loans and referred applications outside limits to management, met with applicants, evaluated creditworthiness, and generated leads from walk-in and external customers.

Credit Analysis Loan Processing Customer Service Lead Generation Regulatory Compliance Microsoft Office Excel Python Tally ERP

Assistant Manager

Kotak Mahindra Bank Ltd.

Jan 2014 - Dec 2017 (3 years 11 months)

Balanced money transactions and paperwork, safeguarded cash drawer, verified checks, processed NEFT/RTGS/fund transfers/DD/PO, and cross-sold bank financial services. Assisted customers with safety deposit boxes and promoted bank loans and services.