Open to opportunities

Neetesh Rathore

@neeteshrathore

Credit Manager at UGRO Capital Ltd. underwriting LAP cases up to ₹5 Cr and managing credit operations across six branches.

India

Message

What I'm looking for

I’m eager to leverage my expertise in credit operations, team leadership, and delinquency control to drive success at your organization.

At UGRO Capital Ltd., I underwrite Loan Against Property cases up to ₹5 Cr and manage credit operations across six branches. I oversee the loan process from initial login to disbursement, along with portfolio management and delinquency control.

Previously, I handled home loan underwriting at Capri Global Housing Finance Ltd and retail loan proposals at IDFC FIRST Bank Ltd. At Five Star Business Finance Ltd, I supported loan processing through documentation, compliance checks, and coordination for timely disbursement.

Experience

Work history, roles, and key accomplishments

Current

Cluster Credit Manager

Current

UGRO Capital Ltd.

Mar 2024 - Present (2 years 8 months)

Spearheaded underwriting of Loan Against Property (LAP) cases up to ₹5 Cr and managed credit operations across 6 branches. Led a team of 6 Credit Managers and 6 Branch Operations Executives, overseeing end-to-end loan processes and portfolio management.

Credit Underwriting Loan Against Property Portfolio Management Risk Assessment Team Leadership Compliance Financial Analysis Delinquency control

Branch Credit Manager

Capri Global Housing Finance Ltd

Dec 2023 - Mar 2024 (3 months)

Performed credit underwriting for home loan cases, evaluating applicant eligibility and risk. Managed the complete loan processing cycle and monitored portfolio performance with delinquency control strategies.

Credit Underwriting Home Loans Loan Processing Portfolio Management Risk Assessment Compliance

Branch Credit Manager

IDFC FIRST Bank Ltd

Nov 2022 - Nov 2023 (1 year)

Appraised and underwrote diverse retail loan proposals, assessing creditworthiness. Managed the entire credit lifecycle for assigned loan portfolios, ensuring quality and compliance.

Credit Underwriting Retail Lending Portfolio Management Risk Control Compliance Customer Interaction

Operation Executive

Five Star Business Finance Ltd

Aug 2019 - Feb 2022 (2 years 6 months)

Managed collation and verification of login and pre-login documentation for loan applications. Coordinated with Central Processing Unit, Field Investigation, and external vendors, and oversaw CERSAI registration and compliance checks.

Loan Processing Documentation Compliance CERSAI Vendor coordination Team Support