Akshay Kanojia

Experienced credit manager with a demonstrated history of working in the banking and finance industry. Skilled in credit risk assessment, underwriting, and portfolio management have consistently contributed to the growth and profitability of the organizations I have worked with. I am now seeking a challenging role where I can utilize my skills and continue driving positive results for your company

Branch Credit Manager - Centrum Housing Finance Ltd - Jodhpur, Nagaur, Bikaner

(2024-09)

As a Branch Credit Manager at Centrum Housing Finance Ltd, I oversee the following responsibilities:

• Responsible for managing the credit operations and underwriting of Jodhpur, Nagaur and Bikaner Locations.
• Led a team of 3 credit processing associates, providing training and guidance to enhance performance and productivity
• Carry out detailed and independent credit evaluation for underwriting.
• Managed credit risk assessments and conducted financial analyses to minimize defaults on payments.
• Analysed client records to assess financial viability of lending applications.
• Reviewed new credit requests, verifying eligibility and capability to understand credit position of clients.
• Streamlined credit control processes, improving efficiency and reducing time to collect debts.

Branch Credit Manager - Tyger Home Finance Ltd (formerly Adani Housing Finance Ltd) - Rajasthan

(2023-09 - 2024-09)

As a Branch Credit Manager at Adani Housing Finance Ltd, I oversee the following responsibilities:

• Responsible for managing the credit operations and underwriting of Bank Salaried cases of 15+ locations of Rajasthan. And SENP cases of Jodhpur Branch.
• Identify and assess credit and other risk areas, carry out detailed and independent credit evaluation. And having credit approval authority of up to 10 Lacs.
• Ensuring proper Compliance of company policies, Legal & Regulations in loan sanctioning, disbursements and post disbursement process.
• Client visits to gather deal requirements, financial and other information necessary for underwriting and other inputs for performing quality analysis and through due diligence.
• Preparation and presentation of Loan Eligibility statements and credit appraisal note to deduce Loan eligibility.
• Analyzing and decisioning the cases within TAT of 3 days, providing loan approval and issuing sanction letter, commencement of legal procedures and other formalities.
• Ensuring disbursement/rejection of file within the Turn around time (TAT). Co-ordinating with RCU, Legal and Technical team.

Credit Officer - Kotak Mahindra Bank Ltd

(2021-02 - 2023-08)

As a Branch Credit Officer at Kotak Mahindra Bank Ltd, I oversee the following responsibilities:

• Involved in processing of SME Working capital loan files.
• Expertise in analyzing credit worthiness of applicants and mitigating risks.
• Proficient in assessing financial documentation and preparing accurate credit reports.
• Skilled in customer relationship management and resolving credit-related issues.
• Ensuring Policy adherence and meeting the credit TAT.

Senior Accountant - Gaurav Chopra and Associates

(2018-09 - 2021-01)

During my time as a Senior Accountant at Gaurav Chopra and Associates, I played a crucial role in managing the financial records and reports for the company. I was responsible for ensuring accurate and timely completion of financial statements and coordinating with various departments to ensure compliance with accounting standards.

• Maintaining day to day books of accounts.
• Stock audits of large lending units.
• Currency chest audits.
• Conducted internal audits.
• Filling of GST returns and Income tax returns.

Junior Accountant - Shankar Lal Ramratan (BPCL)

(2018-01 - 2018-08)

Involved in ordering and maintaining inventory levels of all products sold at the station. Preparing E-way bills and posting entries in station software.

Master of Business Administration - Suresh Gyan Vihar University Jaipur

Master of Commerce - Jai Narayan Vyas University

Bachelor of Commerce - Jai Narayan Vyas University

Senior Secondary - Cambridge Public School