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Vaibhav Samariya

@vaibhavsamariya

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Credit Manager with 6+ years in finance, specializing in credit assessment, KYC, and collections.

India

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What I'm looking for

I’m looking for a credit/finance role where I can assess cases end-to-end, handle KYC and documentation, maintain MIS, and make risk-based recommendations—while continuing to grow my credit expertise and decision accuracy.

I’m a finance professional with 6+ years of experience in the financial services industry, built around credit assessment and risk-aware decision making. I’ve worked across credit teams focused on ensuring lending goes to eligible, safer candidates.

As a Credit Manager at IIFL Samasta Finance Ltd., I handle case assessment and customer discussions, validate income details with and without documents, and recommend cases to upper management. I maintain daily MIS across login, sanction, disbursement, and collections, and support accurate system entries from login through disbursement, including FCU/FI and Cersai checks.

Previously at Edelweiss Finance Limited, I strengthened my fundamentals as a Credit Officer by managing KYC documentation, reviewing loan proposals (small/large ticket, machinery loans, and loan against property for MSMEs), and performing CAM entry work such as plotting financials, calculating risk scores, and checking ratios.

Outside core credit work, I’ve also built a creative skill base through earlier experience as a graphic designer and team-lead internship exposure, plus certifications in graphic designing and tools like Tally and RS-CIT. I use that mix of structured finance thinking and communication to stay disciplined, accurate, and client-focused.

Experience

Work history, roles, and key accomplishments

Current

Sr. Credit Manager

Current

Western Capital Advisors

Feb 2026 - Present (4 months)

Here I need to analyse customers credit worthiness of Loan capabilities with or without documentation

Finance Analytical Skills Assessments Credit Worthiness Risk Scores CAM Disbursement Process Collections

Credit Manager

IIFL Samasta Finance Limited

Apr 2021 - Jan 2026 (4 years 9 months)

Assessed applicant income with and without documentation through customer discussions and led credit case recommendations to upper management. Managed daily MIS for login, sanction, disbursement, and collections and completed LOS system entries including FCU/FI and CERSAI checks while verifying mortgage and legal/technical documents.

Customer Due Diligence CERSAI FCU FI Checks Collections Management

Credit Officer

Edelweiss Finance Limited

Mar 2018 - Aug 2020 (2 years 5 months)

Processed credit proposals by handling KYC data entry, reviewing loan documents for small/large ticket and MSME cases, and supporting disbursement through the LOS. Calculated risk scores and financial ratios via CAM entries and recommended cases to senior management, including uploading KYC records for further processing.

KYC Loan Documentation Credit Proposal Processing Risk Scoring LOS Disbursement Support Collections Support MSME Credit Assessment

Intern Team Leader

Bank of Maharashtra

Mar 2017 - Jun 2017 (3 months)

Coordinated an internship team across multiple branches by collecting weekly reports and overseeing assigned work. Gained hands-on exposure to loan processes, loan forms, and day-to-day procedures followed by employees in the bank.

Team Leadership Loan Process Exposure MS Excel MS Word PowerPoint