Navin Jha

About Navin Jha

With over 24 years in banking and finance, Credila Financial Services has been at the forefront of my professional journey, where I currently serve as a Credit Manager specializing in education loans. My role involves managing the end-to-end credit underwriting process for secured and unsecured loans, ensuring compliance with internal policies and regulatory frameworks. By conducting in-depth credit assessments, analyzing diverse financial data, and engaging in personalized borrower discussions, our team consistently maintains high standards of creditworthiness evaluation and decision-making. My expertise extends to risk assessment and collateral evaluation, where I review property documents, legal opinions, and valuation reports to ensure sound lending practices. With a focus on operational precision and customer-centric solutions, I am driven to empower individuals in their pursuit of education while upholding the integrity and efficiency of Credila’s lending processes.

Experience

1. Zonal Operation Manager

   Avanse Financial Services Ltd

   Sep 2025 — Present

   Zonal Operations Manager handling Education Loan, Institutional Lending, and LAP portfolios. Responsible for end-to-end operations including disbursement, documentation, and compliance across branches. Focused on driving process efficiency, service excellence, and strong coordination between sales, credit, and central teams to ensure smooth business execution and customer satisfaction.

Education

• Subharti University

  Master of Business Administration - MBA, Finance and Financial Management Services

• Vinoba Bhave University

  Bachelor’s Degree