Nikhil Kapadiya

Branch Credit Manager @HDB Financial Services Ltd.

Rajkot, IN

Establish and maintain credit policies and procedures to ensure compliance and consistency. Evaluate potential customers creditworthiness through financial analysis and Verify the creditworthiness and track record of potential borrower. Implement strategies to minimize bad debts and losses. Also work closely with sales, customer service, and finance departments. Communicate with customers regarding credit terms and payments. Identify and assess credit risks associated with LAP & USL loans Understanding property types, market values, and assessing the viability of the property as collateral.Collaborating with legal and technical teams for property valuation and documentation.Ensuring compliance with audit requirements.