Deependra Singh
Branch Credit Manager At S.K Finance Limited Ex Employee Pnb Housing Finance Limited Ex Employee Of RBL Bank Limited Ex Employee of Kotak Mahindra bank
- Role
- Branch Credit Manager at SK Finance Ltd
- Location
- Fatehpur, UP, IN
- LinkedIn followers
- 500 followers
Experience
Branch Credit Manager
Aug 2025 — Present · Chitrakoot, IN
Credit Assessment & AppraisalEvaluate and process housing loan applications by assessing borrower profiles, income, credit history, and collateral.Ensure adherence to internal credit policies and regulatory guidelines.Risk ManagementIdentify and mitigate credit risks by conducting thorough due diligence and recommending appropriate credit structures.Monitor portfolio health and flag early warning signals.Loan SanctioningApprove loans within delegated authority limits and escalate higher-value cases to appropriate credit committees.Maintain turnaround times (TAT) as per service level agreements.Policy ComplianceEnsure compliance with RBI and internal housing finance guidelines.Implement credit policy changes at the branch level and train staff accordingly.Portfolio Quality & MonitoringMonitor loan disbursement and post-disbursement documentation.Track and report delinquency levels, NPA trends, and take corrective action.Coordination with StakeholdersLiaise with sales, legal, technical, and operations teams to ensure end-to-end processing of housing loans.Support audit and regulatory inspections.Customer Interaction & Grievance ResolutionGuide customers on credit processes and resolve loan-related queries efficiently.Ensure a customer-centric approach in credit decision-making.Reporting & MISPrepare periodic reports on credit performance, approval ratios, rejection reasons, and portfolio health for senior management.Team Support & TrainingProvide functional guidance to junior credit officers.Conduct training sessions on credit underwriting and housing finance products.
Education
Mahatma Gandhi Chitrakoot Gramodaya Vishwavidyalaya
Bachelor of Business Administration - BBA, Business Administration and Management, General
Chitrakoot Inter College
Intermediate , Business/Commerce, General
Swami Vivekanand Subharti University (SVSU), Meerut
Master of Business Administration - MBA, Finance and Financial Management Services
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