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Umangkumar Patel

@umangkumarpatel

Credit underwriting Area Manager at Bajaj Finance Limited, assessing business, professional, LAP, and supply chain finance proposals.

India

Message

At Bajaj Finance Limited, I lead credit appraisal and underwriting across Business Loans, Professional Loans, Loan Against Property, and Supply Chain Finance. I assess borrower financials, repayment capacity, collateral, and transaction risk, and exercise delegated sanctioning authority within the approval matrix.

I manage daily underwriting operations and a six-member credit team, while monitoring portfolio performance and preparing credit MIS. Earlier, I managed accounting and finance at Arham Chemex and SOUTH ASIA CONSULTANCY, including financial reporting, tax returns, and audit preparation.

Experience

Work history, roles, and key accomplishments

Current

Area Manager – Credit Underwriting

Current

Bajaj Finance Limited

Jul 2021 - Present (5 years 4 months)

Lead end-to-end credit appraisal and underwriting across Business Loans, Professional Loans, Loan Against Property, and Supply Chain Finance. Exercise delegated credit sanctioning authority and manage a six-member underwriting team.

Credit Underwriting Financial Analysis Risk Assessment Loan Against Property Supply Chain Finance Team Leadership MIS Reporting Portfolio Management

Manager - Account and Finance

Arham Chemex

Feb 2021 - Jul 2021 (5 months)

Maintained daily bookkeeping, accounts receivables and payables, and prepared financial statements. Supervised accounts data for statutory and tax audits and ensured compliance with applicable laws.

Bookkeeping Financial Statements Statutory Audits Tax Audits Vendor Payments GST Returns Team Management

Assistant Manager – Credit Underwriting

Bajaj Finance Limited

May 2019 - Jan 2021 (1 year 8 months)

Performed credit appraisal of Business Loan and Professional Loan applications within defined guidelines. Managed day-to-day work efficiency, processed 5 to 7 files daily, and maintained MIS and credit control.

Credit Appraisal Underwriting Financial Ratios MIS Credit Control Customer Conversations

Executive - commercial and Control

Arvind Smartspaces Limited

Mar 2019 - Apr 2019 (1 month)

Assisted in reconciling balance sheet and income statement accounts and prepared receipt and payment schedules. Coordinated with banks, CA, and CS and assisted in implementing local policies.

Reconciliations Financial Reporting Bank Coordination Policy Implementation

Manager – Account and Finance

South Asia Consultancy

Feb 2017 - Feb 2019 (2 years)

Responsible for finalization of accounts and preparation of Balance Sheet and P&L. Managed accounting team, filed direct/indirect tax returns, and handled import-export documentation.

Finalization Of Accounts Balance Sheet P&L Statutory Audits Tax Audits GST Returns Import export documentation Team Management

Manager - International Trade and Banking

DCB Bank Limited

Jun 2016 - Feb 2017 (8 months)

Developed NRI business for the bank through direct sourcing and managed HNI portfolios. Provided quality customer services including fixed deposits, account opening, mutual funds, and insurance.

NRI Banking Portfolio Management Customer Service Fixed Deposits Mutual Funds Insurance