Rampravesh Kumar
Credit Manager | Expert in Credit Appraisal, Risk Assessment & Underwriting (Business & Personal Loans) | Driving Fraud-Free, Compliant Lending Decisions
- Role
- Credit Manager Personal & Business Loans Bajaj Finance Limited at Bajaj Finserv
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
About Rampravesh Kumar
Results-driven Credit Manager with 2+ years of BFSI experience specialising in end-to-end…
Experience
Credit Manager Personal & Business Loans Bajaj Finance Limited
Aug 2025 — Present · Jamui, IN
Implemented and monitored adherence to the Credit Policy and Authority Matrix across assigned branches to ensure compliance and minimize risk.Conducted detailed credit appraisals for Business Loans (BL) and Personal Loans, ensuring timely and accurate loan processing.Maintained control over delinquency levels by proactively identifying and addressing high-risk accounts.Ensured 100% compliance with internal credit policies, audit guidelines, and regulatory requirements (RBI/AML/KYC).Prepared and submitted monthly MIS reports covering logins, approvals, disbursals, rejections, and deviations.Conducted market research and competitor analysis to support product launches and provide strategic insights.Provided regular feedback on credit policy effectiveness, supporting policy refinements aligned with market dynamics and customer behavior.
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