Govind Ghegde
Branch Credit Manager @HDB Financial Services Ltd.
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WORK HISTORY
Branch Credit Manager @HDB Financial Services Ltd.
Aurangabad, IN
Branch Credit ManagerJob Responsibility and Job Profile:Underwriting LAP, Enterprises Business loans, Business loans,Personal loans, Salaried Personal loansProduct -Unsecured Loan, Secured Loan considering, Loan against LIC Policy, Car, Collateral.Mortgage Loan (LAP)*Ensuring error free underwriting of loan customers in line with approved processes and policies.*Meeting with clients, evaluating them, transparently advising intricate details of our product and treating them with respect.Review and update the company\'s credit policy when necessary.*Attending to walk-ins into branches and visiting clients at their place of work.Analyse applicants\' financial status, credit and property evaluations to determine feasibility granting loans. Property document management.*Property inspection & Vendor management including lawyers, valuers, fraud agencies Cpv Agencies etc.*Responsible for portfolio evaluation and delinquency management. Considering each month Current bucket 1-30 bucket as well as 30 bucket.
EDUCATION
Rajashri Shahu Institute of Management
Master of Business Administration - MBA
ABOUT GOVIND GHEGDE
Financial Services Credit Expert | Portfolio Management | Risk Assessment | Working as a Credit Manager with 6.5+ years of expertise in driving strategic credit across diverse banking portfolios, including secured, unsecured, Agri, SME, and MSME sectors. Proven ability to lead high-performing credit teams, implement robust digital monitoring processes, and ensure stringent compliance with regulatory and internal standards. At HDB financial services Ltd, I\'ve spearheaded credit for a designated managing a portfolio exceeding 30 Crore and consistently achieving high audit scores through meticulous process management and operational integrity. My expertise spans credit appraisal, underwriting, portfolio management, and risk mitigation, with a strong focus on maximizing profitability and minimizing risk. at Bajaj Finance Ltd, I managed comprehensive credit appraisal for the various loan products, risk mitigate I am passionate about driving credit growth through strategic leadership, robust compliance, and effective risk management. I hold a P.G.D.M. in MBA-Finance from RSIM College Dr.Bamu University. I am eager to connect with professionals in the banking and financial services industry to explore opportunities for collaboration and growth.
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