Samadhan Kasture

Credit professional with 5+ years of experience in branch credit and operations across financial services. Experienced in credit appraisal, loan underwriting, customer profile assessment, financial and banking document verification, repayment-capacity assessment, loan processing and portfolio monitoring.

Conducts Personal

Discussions (PD) and physical verification to validate customer, business and income details. Familiar with credit policy compliance, risk identification and delinquency monitoring.

Branch Credit Manager at HDB Financial Services (2025-10 – Present)

• Review and assess loan applications in line with internal credit policy, eligibility criteria and defined risk appetite.
• Evaluate customer profile, credit history, financial information and supporting documents as part of credit appraisal and underwriting.
• Conduct or participate in Personal Discussions (PD) and physical customer interactions to validate loan purpose, income or business details, repayment capacity and potential risk indicators.
• Coordinate field visits and customer verification where required; document findings to support credit decisions.
• Monitor portfolio performance and identify early warning signals to support delinquency control and credit-risk mitigation.
• Work with sales, operations and field teams to resolve credit observations, complete documentation and support timely loan processing.
• Prepare portfolio-performance reports and MIS for management review; support branch performance while maintaining portfolio quality.
• Review, process and administer customer loan proposals through the credit lifecycle.

Branch Credit and Operations Manager at Bajaj Finance (2021-12 – 2025-10)

• Managed RCD portfolio activities, including document verification and loan disbursement.
• Assessed customer profiles, credit history and income sources to evaluate loan eligibility and repayment capacity.
• Verified bank statements, income proofs, business-ownership documents and other financial records.
• Conducted customer PDs and physical discussions to understand income source, business or employment details, loan requirement and repayment capacity.
• Performed or coordinated physical field verification of residence, workplace or business details and other case-level information.
• Completed credit analysis and prepared cases and reports for senior-management review and approval.
• Monitored daily branch operations for compliance with company policies, processes and regulatory requirements.
• Coordinated loan documentation, processing and disbursement activities.

Bachelor of Commerce (B.Com) – Savitribai Phule Pune University

12th Grade – Maharashtra State Board