Dheeraj Kumar Mangla
AVP-Credit(RCM)
- Role
- Avp-credit(Rcm) at SVCL
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
About Dheeraj Kumar Mangla
Credit and Risk Management Specialist | 11+ Years of Leadership in Retail and MSME LendingI bring over 12+ years of extensive experience in managing credit, risk, and audit functions for medium to large loan products, including Loan Against Property (LAP), Affordable Home Loans (AHL), Personal Loans (PL), Business Loans (BL), and Group Loans (GL).I have successfully led teams of over 24 credit professionals across 247 branches in India, overseeing underwriting, portfolio risk management, and operational audits. My expertise spans credit assessment, risk analysis, portfolio quality enhancement, and strategic team leadership across diverse markets.With an MBA in Finance and International Business, I am well-versed in handling a broad range of secured and unsecured loan products. I excel at building high-performing teams, implementing robust risk frameworks, and driving sustainable portfolio growth.I am passionate about aligning my experience with organizations that value strong governance, innovation in credit processes, and customer-centric lending. I am eager to take on new challenges, continuously enhance my skill set, and contribute meaningfully to organizational growth and success.
Experience
Avp-credit(Rcm)
Oct 2024 — Present · Gurugram, IN
I manage 247 branches and oversee 24 credit managers teams across 10 states, each focusing on individual microloans & LAP & express loan & e rikhsha loan
Education
Dr. B. R. Ambedkar University, Agra
BSC, ZBC
2004 — 2007
Board of High School and Intermediate Education
SSE
2001 — 2004
Manav Bharti University, Sultanpur, Solan
MBA, finance & international business
2010 — 2012
IT vision institution delhi
diploma in Computer
2008 — 2010
Board of High School and Intermediate Education
HSE
2000 — 2001
Skills
- Credit Management
- Financial Analysis
- Mortgage Lending
- Credit Analysis
- Credit
- Business Development
- Credit Risk
- Credit Control
- Portfolio Management
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