Vivek Khare

A 'Performance Driven Professional' bringing in rare level business acumen and record of achievement developed in over 18 years of Service in Housing Finance Industry. Eager to utilize a knowledge of Sales, Credit, Collections, Operations & Accounts acquired over 18 Years of Housing Finance industry experience to add value to the company.

Area Credit Manager - GRIHUM HOUSING FINANCE LTD

(2025-06 - 2026-01)

• Evaluate loan applications (Home Loans, LAP, MSME, etc.) based on credit worthiness, income stability, repayment capacity, and risk profile.
• Ensure compliance with internal credit policy and regulatory norms.
• Approve or recommend files within delegated authority limits.
• Monitor the health of the credit portfolio across assigned branches / locations.
• Assess and mitigate credit risk while maintaining business growth.
• Guide and support branch credit officers and Monitor team productivity and performance.
• Work closely with sales teams to ensure quality sourcing.
• Ensure prompt decision-making and communicate decisions professionally.

Freelancer - FREELANCER OF HOME LOANS AND LAP CASES

(2024-02 - 2025-05)

• Identify and approach potential customers needing home loans or LAP.
• Generate leads through personal network, referrals, social media, and field visits.
• Conduct initial screening of customers to ensure basic eligibility.
• Explain the features, benefits, terms, and conditions of various loan products.
• Guide customers on the best product as per their financial profile.
• Educate them on interest rates, EMI calculation, tenure options, etc.
• Collect complete and correct set of documents from the client (KYC, income proof, property papers, etc.).
• Ensure documentation is as per the lending institution's policy.
• Submit the loan file to the concerned bank or NBFC Coordinate with internal sales or credit team for smooth file movement and processing.

Branch Head - CANFIN HOMES LTD - Lucknow

(2022-09 - 2024-01)

• Responsible for achieving Branch Targets and ensuring Branch Profitability. Managing resources and staff, developing and attaining sales goals, delivering customer service, and growing the location's revenues.
• Sourcing of Home Loan / Mortgage Loan Business in individual capacity.
• Evaluate loan applications (Home Loans, LAP, MSME, etc.) based on credit worthiness, income stability, repayment capacity, and risk profile.
• Regular Follow-up and collection of NPA and Likely NPA Accounts
• Expand and retain the company's base of customers for affordable home loans by developing and maintaining strong liaisons with the client's /channel partners for repeat business or referrals while also ensuring they are part of our future projects.
• Build and develop a defined source mix comprising of direct and indirect sourcing.
• Capitalize on Business opportunities, Builder tie ups, and plan and monitor joint promotional activities with developers.
• Ensure compliance to all Audit / NHB regulations as well as policies and procedures of the company.

Branch Head - REPCO HOME FINANCE LTD - Ahmedabad, Gujarat

(2019-02 - 2022-08)

• Responsible for achieving Branch Targets and ensuring Branch Profitability. Managing resources and staff, developing and attaining sales goals, delivering customer service, and growing the location's revenues.
• Sourcing of Home Loan / Mortgage Loan Business in individual capacity.
• Evaluate loan applications (Home Loans, LAP, MSME, etc.) based on credit worthiness, income stability, repayment capacity, and risk profile.
• Regular Follow-up and collection of NPA and Likely NPA Accounts
• Expand and retain the company's base of customers for affordable home loans by developing and maintaining strong liaisons with the client's /channel partners for repeat business or referrals while also ensuring they are part of our future projects.
• Build and develop a defined source mix comprising of direct and indirect sourcing.
• Capitalize on Business opportunities, Builder tie ups, and plan and monitor joint promotional activities with developers.
• Ensure compliance to all Audit / NHB regulations as well as policies and procedures of the company.

Assistant Manager - CENT BANK HOME FINANCE LTD - Lucknow

(2017-07 - 2018-08)

• Sourcing of Home Loan / Mortgage Loan Business in individual capacity.
• Evaluate loan applications (Home Loans, LAP, MSME, etc.) based on credit worthiness, income stability, repayment capacity, and risk profile.
• Regular Follow-up and collection of NPA and Likely NPA Accounts
• Documentation and Disbursement of Home loans and Mortgage Loans.
• Evaluate CIBIL to evaluate customer histories.
• Manage the entire credit application process, right from Login to Disbursement.
• Manage Quality of Portfolio.
• Manage post disbursement documents and partly disbursed cases.
• Work cross-functionally with sales, management and other departments to maintain effective operations.

Assistant Manager - PNB HOUSING FINANCE LTD - Lucknow (U.P)

(2006-03 - 2017-07)

• Sourcing of Home Loan / Mortgage Loan Business in individual capacity.
• Evaluate loan applications (Home Loans, LAP, MSME, etc.) based on credit worthiness, income stability, repayment capacity, and risk profile.
• Regular Follow-up and collection of NPA and Likely NPA Accounts
• Documentation and Disbursement of Home loans and Mortgage Loans.
• NACH / Cheque lodging and marking Clearance / Bouncing
• Preparing Bank Reconciliation Statement.
• Fund Management by maintaining the proper Bank Balance.
• Preparing & Maintaining Cash Book and Bank Book.
• Branch Handling and Customer Service.
• Handling all GAD & HR related work.

Master of Commerce - Commerce - Chhatrapati Shahu Ji Maharaj University (Kanpur University) (2004)

Bachelor of Commerce - Commerce - Lucknow Christian P.G. College (Lucknow University) (2002)

Intermediate - Career Convent College (1999)

High School - Dabble Public College (1997)