Mithooz UserMU
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Mithooz User

@mithoozuser

Results-driven Credit Manager specializing in credit risk assessment.

India

What I'm looking for

I am looking for a role that allows me to leverage my expertise in credit risk assessment and team leadership while contributing to a dynamic organization focused on growth and innovation.

I am a results-driven Credit Manager with over 6 years of experience in the financial services sector. My expertise lies in credit risk assessment, loan management, and client relations. I have successfully designed risk mitigation strategies that have reduced loan defaults by 20%, while also leading teams to enhance underwriting efficiency by 30%. My strong background in financial analysis and regulatory compliance has enabled me to drive significant business growth.

In my current role at ESAF Small Finance Bank, I have conducted over 500 credit evaluations, improving loan approval efficiency by 15%. I spearheaded a data-driven decision-making framework that increased loan recovery rates by 18%. My leadership skills have been instrumental in mentoring teams and optimizing processes to ensure compliance and enhance productivity.

Experience

Work history, roles, and key accomplishments

EB
Current

Credit Manager

ESAF Small Finance Bank

Apr 2023 - Present (2 years 2 months)

As a Credit Manager, I conducted over 500 credit evaluations, improving loan approval efficiency by 15%. I designed a risk-based lending model that reduced non-performing assets (NPAs) by 12% and led a cross-functional team to enhance productivity and compliance adherence.

IL

Credit Manager

IDFC First Bharat Ltd

Nov 2021 - Apr 2023 (1 year 5 months)

In my role as Credit Manager, I evaluated secured and unsecured loan proposals, ensuring compliance with company policies. I led a team of underwriters and strengthened client partnerships, enhancing financial advisory services.

HS

Accountant

Hilal Public School

Jun 2018 - Mar 2019 (9 months)

In my role as an Accountant, I maintained journal and ledger records, ensuring accurate financial reporting. I processed financial transactions and conducted internal audits to optimize financial controls.

Education

Degrees, certifications, and relevant coursework

Calicut University logoCU

Calicut University

Bachelor of Commerce, Commerce

2011 - 2014

KG

Kerala Government

Higher Secondary Education, Higher Secondary Education

2009 - 2011

KG

Kerala Government

SSLC, Secondary Education

2009 -

Tech stack

Software and tools used professionally

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Mithooz User - Credit Manager - ESAF Small Finance Bank | Himalayas