Neeraj Jain
Credit Manager
About
A highly proficient and result-oriented Credit Professional with over 10 years of extensive experience in NBFC and Banking sectors. Specialist in Priority Sector Lending, Mortgage Loans, and Risk Assessment. Seeking a challenging role to leverage my expertise in credit operations and portfolio management to contribute to the organization's growth while achieving professional excellence.
Experience
Credit Manager - Yuwan Financiers Pvt. Ltd.
(2025-11)
- Heading NBFC Priority sector credit operations for Mortgage Loans across 8 branches.
- Conducting rigorous risk analysis and preparing detailed credit proposals for management approval.
- In-depth scrutiny of property documents, legal reports, and technical valuation reports prior to disbursement.
- Ensuring 100% KYC compliance and conducting periodic credit reviews of existing loan portfolios.
- Managing daily and monthly Management Information Systems (MIS) reporting for senior leadership.
Cluster Credit Manager - Groforce India LLP
(2025-03 - 2025-11)
- Managed credit operations for Mortgage loans across 6 strategic branches.
- Specialized in assessing creditworthiness for potential customers in urban and semi-urban markets.
- Managed the complete loan lifecycle from file login to final disbursement checklist verification.
- Maintained low delinquency rates through proactive risk assessment and thorough documentation checks.
Sr. Credit Manager - Lord Krishana Financial Services Ltd. (Prest Loan)
(2024-08 - 2025-02)
- Managed credit operations for Mortgage loans across 8 strategic branches.
- Specialized in assessing creditworthiness for potential customers in urban and semi-urban markets.
- Managed the complete loan lifecycle from file login to final disbursement checklist verification.
- Maintained low delinquency rates through proactive risk assessment and thorough documentation checks.
Area Credit Manager - Universal Fingrowth
(2024-04 - 2024-07)
- Oversaw credit operations for a large cluster of 9 branches. Expertise in handling NIP (Non-Income Proof) cases, developing customized assessment models.
- Coordinated with legal and technical vendors to ensure property collateral security.
- Responsible for training branch staff on credit policy and documentation standards.
Cluster Credit Manager - Finova Capital
(2019-11 - 2024-03)
Handling The NBFC Priority sector credit operations which includes preparation of credit proposals,
- Conducting risk analysis, scrutinizing documents before sanctioning & disbursement process.
- Currently handling Credit Mortgaged loan 3 branches.
- 8 Years credit experience urban & semi urban area For NIP Cases.
- Login of files as per checklist.
- Checking property documents prior to disbursement.
- Check legal compliance as per legal report & papers.
- Verifies the Technical valuation report.
Branch Credit Manager - Urban Living Finance Pvt. Ltd. (NBFC)
(2017-11 - 2019-09)
- Lead the credit unit for priority sector lending and mortgage operations.
- Streamlined the credit approval process resulting in improved Turnaround Time (TAT).
- Conducted personal discussions (PD) with borrowers to verify business viability.
Deputy Manager (Retail Branch Banking) - ICICI Bank Ltd.
(2017-03 - 2017-10)
- Focus on New-to-Bank (NTB) acquisition and strengthening existing HNI relationships.
- Portfolio management including Investment advisory for Mutual Funds and Insurance products.
- Close coordination with centralized research teams for tactical investment decisions.
Branch Manager (Credit) - Urban Living Finance Pvt. Ltd.
(2014-09 - 2017-03)
- Responsible for credit mortgage loans across 4 branches.
- Successfully managed the risk profile of a growing loan book in a high-growth zone.
Education
Bachelor of Arts (B.A.) - Kota University (2007)
Secondary & Senior Secondary - Rajasthan Board (2002 - 2004)
