Personal Email ID - camohitkumar94@gmail.comfcamohitkumar@gmail.comCredit Manager ( Grade-M3)•Wholesale SME- Ticket size (Rs.10 lac to Rs.10Crore).•Ensure monthly compliance with minimum cases(20+) and Minimum Visits (20) with minimum TATof 90%.•Undertake the credit assessment process withindefined turn-around-time (TAT).•Experience of analysis for facilities like CC underCGTMSE scheme, CC (property backed) , OD underGST surrogate scheme, ODAP, DOD, MEOD, BG,LC, Term loan etc.•Analyzing the credit worthiness of clients throughdue diligences (RBI Caution advice check,Internal/External dedupe/posidex, CIBIL reports,CRIF report-Credit Information report, PerfiosAnalysis, Financial Grader for financialinformation like MIB, NWC, fund requirementthrough working capital gap method, turnovermethod  and ratios like leverage , DSCR etc, Corpository/MCA check, GST portal check ,Buyers/Suppliers check , Reference check,Google/website check etc.)•Manage a diverse credit portfolio.•Monitored DDR (Daily delinquency report) andOOO (out of order) accounts and ensure timelyrepayments from clients through respective RM ofclient.•Monitored Early warning signals (EWS) , RedFlagged Account triggers (RFA) , Accounts under review (AUR) and Exit marked clients to mitigaterisks.

•Product-Term Loan- To Small NBFCs for furtherlending purpose (Ticket Size Rs.50 Lacs to 5 Cr.)•Undertake the credit assessment process withindefined turn-around-time (TAT).•Manage the complete life-cycle of loan process,through credit application till disbursement.•Identified CIBIL discrepancies, financialirregularities, and noteworthy bank observations.•Maintained strong relationships with clients, DSA,and senior management to facilitate efficientcredit decision-making.•Conducted thorough financial analysis and riskassessments to identify credit issues andrecommend appropriate actions.•Mentored and trained junior credit executives,fostering their professional growth.•Prepared detailed due diligence reports based onon-site visits, providing an accurate assessment ofborrowers' financial health and risk profiles.•VisitedPlaces -Banglore, Mumbai, Jaipur ,Saharanpur, Noida, Gurugram, Delhi.

( Worked on payroll of CA Firm )•Assistant Manager at BMW  India Financial ServicesPvt. Ltd (MNC -Gurgaon)•Prepared monthly insurance commissions reports.•Prepared MIS reports.•Conducted reconciliations of monthly income andexpenses by analyzing SAP dump ledgers.•Responded to internal and Statutory auditor queries to ensure timely compliance.•Handled accounting of BMW Foundation.•Lead the IT team for automation.•Collaborated with cross-functional teams.