Rahul Patel
Credit Manager at AU Small Finance Bank | MBA (Finance) – Guru Ghasidas Central University
- Role
- Credit Manager at AU SMALL FINANCE BANK
- Location
- Bilaspur, CG, IN
- LinkedIn followers
- 500 followers
About Rahul Patel
Highly accomplished Finance professional with 1.9 years of experience as a CreditManager at AU Small Finance Bank, specializing in secured assets (Home Loan,LAP, MSME Business Loan). Proven expertise in end-to-end credit assessment, includingcomplex CAM preparation, risk evaluation, income analysis, and maintaining100% regulatory compliance. Seeking challenging roles to leverage creditmanagement skills and drive growth in the financial services sector.
Experience
Credit Manager
Jun 2024 — Present
Credit Appraisal & Sanctioning: Proficient in preparing detailed Credit Appraisal Memos (CAMs) for proposals up to 1.5 Crores, ensuring strict adherence to institutional credit policy and regulatory guidelines.Risk Mitigation: Skilled in conducting thorough Customer Due Diligence (CDD), including Personal Discussions (PD), income assessment for salaried and self-employed profiles, and effective field visits to manage portfolio risk across the Janjgir, Korba, and Bilaspur regions.Operational Excellence: Maintained a 100% compliance rate across all internal and external audits by diligently resolving audit observations and enforcing strict adherence to KYC norms, resulting in a track record of zero non-compliance issues.Stakeholder Coordination: Proven ability to coordinate seamlessly with cross-functional teams (Sales, Legal, Technical, Operations) to ensure efficient and smooth file processing.
Education
Guru Ghasidas University
Master of Business Administration, Finance
2020 — 2022
LCIT Group of Institutions
Bachelor's Degree
2017 — 2020
Imarticus Learning
Certified Investment Banking Operations Professional
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