Pravin Gadekar

Branch Credit Manager @Svatantra Micro Housing Finance Corporation

Ahmednagar, IN

Branch Credit ManagerAffordable Housing Finance | Credit Underwriting | PD & Risk Assessment | Portfolio QualityAs a Branch Credit Manager, I am responsible for end-to-end credit evaluation and decision-making for retail home loan proposals in the affordable housing segment. My role focuses on ensuring robust credit underwriting while maintaining portfolio quality and business growth.*Key Responsibilities:Conduct in-depth PDs with applicants to assess income, stability, and intent to repay especially in informal or semi-formal income segments.Perform on-field verifications of occupation and residence to validate applicant details and identify any early red flags.Analyze loan proposals and prepare CAMs by thoroughly assessing income documents, banking trends, bureau reports, and field observations.Assess income surrogates for self-employed and cash-based profiles to justify eligibility, especially in the low-income or economically weaker sections.Handle policy deviations and exceptions, with strong justifications based on ground-level risk mitigants and alternate comfort.Maintain a strong portfolio quality with minimal delinquency, by balancing prudent credit practices with business needs.Collaborate with sales, legal, and technical teams for smooth end-to-end processing of files.Ensure quick TAT in decision-making while adhering to credit policy guidelines and internal controls.Achievements:Consistently maintained low NPA levels across portfolios by prudent underwriting.Recognized for fast and quality PDs, helping reduce rework and improving file movement.Supported branch business targets while staying aligned with credit risk appetite and regulatory norms.

MGM Institute of Management.

MBA