LGlaleit goyal
@laleitgoyal
Experienced Branch Credit Manager driving credit decisions, collections, and operational compliance.
IndiaWhat I'm looking for
I am an experienced Branch Credit Manager with over a decade in banking and NBFC credit and operations, managing sanction and valuation authority, QC, collections and multi-branch responsibilities. I have consistently handled high-volume credit visits, portfolio monitoring and vendor or dealer relationships while improving audit and operational standards.
I have worked across leading organizations including Agriwise Finserv, Electronica Finance, Fullerton India Credit, HDB Finance and HDFC Bank, with sanction powers and PD/valuation limits up to 100 lakhs and experience in LAP, HL, CV lending, underwriting, TVR and disbursement. I am pursuing an MCA and bring technical proficiency in MS Office, Tally, SQL, Excel (advanced) and Python alongside banking platforms such as Flexcube and LOS.
Experience
Work history, roles, and key accomplishments
Branch Credit Manager
Agriwise Finserv Ltd
Nov 2022 - Aug 2025 (2 years 9 months)
Managed credit operations for two branches, performing 20+ credit visits monthly, making credit decisions up to INR 1,00,00,000 and overseeing QC and collections for customer segments CāX and 12-month portfolios.
Branch Credit Manager
EFL-Electronica Finance Ltd
Jun 2021 - Mar 2022 (9 months)
Conducted 20+ monthly credit visits, executed credit decisions and property valuations up to INR 5,00,000, and managed QC, collections and vendor billing processes.
FLBranch Credit Manager
Fullerton India Credit Company Ltd
Oct 2018 - May 2020 (1 year 7 months)
Led branch credit operations with 70+ monthly credit visits, sanctioned loans up to INR 3,00,000, managed QC, collections and NCL follow-ups while overseeing ~INR 80 lakh monthly branch business.
BOE - Operations & Credit
HDB Finance Services Ltd
May 2017 - Oct 2018 (1 year 5 months)
Managed operations and credit functions, upheld TAT and compliance, performed CAM appraisal, TVR and underwriting for LAP, HL and CV loans, and improved audit ratings from satisfactory to good.
Accounts Manager
Sanwar Lal Nirmal Kumar
Sep 2014 - Mar 2017 (2 years 6 months)
Managed accounts department and a team of 10, maintained financial records, handled client interactions and supported crop sales operations.
HLAssistant Manager
HDFC Bank Ltd
Sep 2010 - Mar 2014 (3 years 6 months)
Managed operations teams across retail and commodity products, ensured TAT and process compliance, conducted dealer visits, created DSAs and managed post-disbursal documentation.
Education
Degrees, certifications, and relevant coursework
Vivekananda Global University
Master of Computer Applications, Computer Applications
2024 -
Pursuing Master of Computer Applications (MCA) at Vivekananda Global University, Jaipur.
IHICFAI University (Hyderabad)
Master of Science, Finance
2010 - 2010
Completed Master of Science in Finance from ICFAI (ISFS Hyderabad).
Maharaja Ganga Singh University (formerly Bikaner University)
Bachelor of Commerce, Commerce with Information Technology
2007 - 2007
Activities and societies: Project coordination at graduation level
Completed Bachelor of Commerce with Information Technology from Bikaner University, Sri Ganganagar.
Board of Secondary Education, Ajmer
Senior Secondary Certificate, Senior Secondary
2004 - 2004
Completed Senior Secondary (Class 12) from the Board of Secondary Education, Ajmer.
Board of Secondary Education, Ajmer
Secondary School Certificate, Secondary
2002 - 2002
Completed Secondary (Class 10) from the Board of Secondary Education, Ajmer.
Availability
Location
IndiaAuthorized to work in
Job categories
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