Mithooz User
@mithoozuser
Results-driven Credit Manager specializing in credit risk assessment.
What I'm looking for
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
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.
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.
Credit Manager
Bajaj Finance Ltd
May 2019 - Nov 2022 (3 years 6 months)
As a Credit Manager, I reviewed and processed over 700 loan applications with a 97% accuracy rate. I initiated a customer segmentation strategy that increased loan approval efficiency by 20% and managed a portfolio worth ₹100 crores.
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.
Accountant
Benzy Petroleum
Oct 2014 - May 2018 (3 years 7 months)
As an Accountant, I managed financial closings and reconciled accounts payable and receivable. I prepared balance sheets and profit/loss statements, ensuring compliance with financial standards.
Education
Degrees, certifications, and relevant coursework
Calicut University
Bachelor of Commerce, Commerce
2011 - 2014
Kerala Government
Higher Secondary Education, Higher Secondary Education
2009 - 2011
Kerala Government
SSLC, Secondary Education
2009 -
Tech stack
Software and tools used professionally
Availability
Location
Authorized to work in
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