RAVISHANKAR JHA

Credit Manager

 A credit evaluator with 4.5 years of experience. Where I interpreted the client’s worthiness and repayment strength.

Credit Underwriting

Client Behavior

Probability of default

Financial Analysis

Banking

Time Management

CHOICE FINSERV PVT LTD

Territory Credit Manager

December 2022 To Present

Role & Responsibilities

  • Vendor management and training
  • Team management and training 
  • Portfolio Management and building relationships with clients.
  • Office and Residence visit for Probability of default.
  • Coordinating with sales and operation for smooth disbursement.
  • Maintaining MIS  login to disbursement.
  • Analyzing client’s cash flow and overall financial statement.

hdb financial services LTD

Credit Relationship Manager

December 2021 To December 2022

Role & Responsibilities

  • Portfolio Management and building relationships with clients.
  • Office and Residence visit for Probability of default.
  • Coordinating with sales and operation for smooth disbursement.
  • Maintaining MIS  login to disbursement.
  • Analyzing client’s cash flow and overall financial statement.

India Mortgage Guarantee Corporation

Credit Processing Associate

July 2019 - October 2020 On the payroll of Sineedge Consulting Private Limited

Role & Responsibilities

  • Preparing CAM in the prescribed TAT
  • Gathering raised claim data
  • Daily and NPA’s MIS reporting
  • Study of Financial, Banking, and CIBIL
  • Verifying informal earner’s income
  • Checking of Legal and Technical
  • Suggesting for operation and productivity
  • Interacting with new software for training and development
  • Initiator of a new project to train the team.
  • Taking accountability of the team on other activities that finish on the prescribed time
     

YES BANK

Credit Processing Associate-Risk

March 2019 - June 2019 On the payroll of Team Space

Role & Responsibilities

  • Preparing CAM in the prescribed TAT
  • CA and Company verification
  • MIS reporting
  • Study of Financial, Banking, and CIBIL
  • Coordinating with the sales team for pending documents and additional data.
  • Looking for company and company’s director fraud and legal distributes 

ICICI BANK

Credit Processing Associate

Apr 2017 - Jan 2018 + Jun 2018 - Dec 2018 On the payroll of KDMS LTD

Role & Responsibilities

  • Preparing CAM in the prescribed TAT
  • MIS reporting
  • Study of Financial, Banking, and CIBIL
  • Managing 10-15 CPA and responsible for their work and training

ACADEMIC

 B.Com – Lalit Narayan Mithila University Darbhanga 2014-2018

CERTIFICATION

 MASTER OF DIGITAL MARKETING – Linkedin Learning MAY 2020

Blogging

Music

Book

Adaptability

Leadership

Communication

Communication

Dedicated

Confident

 I hereby declare that all the information provided here is correct to the best of my knowledge.

RAVISHANKAR JHA