Sahil Singal
Senior Area Credit Manager Unsecured Loans Tier 2-5 Market up @Bajaj Finserv
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WORK HISTORY
Senior Area Credit Manager Unsecured Loans Tier 2-5 Market up @Bajaj Finserv
Saharanpur, IN
Key Responsibilities:Underwriting Leadership: Spearheading underwriting operations for unsecured loans across Tier 2–5 emerging/growth markets in Uttar Pradesh, including key locations such as Bareilly, Moradabad, and Saharanpur etc.Team Management: Leading a team of 7 credit professionals responsible for customer document quality checks, CIBIL interpretation, tele-verification, personal discussions, CAM preparation, loan sanctioning and post-approval disbursements within defined TATs.Delinquency Control: Monitoring and managing delinquency across all assigned branches. Ensuring early MOB (FEMI, 3, 6, and 9 months) remain within threshold limits. Initiating corrective underwriting measures in high-risk zones.Stakeholder Management: Collaborating with Sales, Risk, Collection, and Operations teams to ensure smooth loan processing, policy alignment, and portfolio health. Acting as a liaison between branch-level staff and senior management for seamless communication and issue resolution.Risk Policy Implementation: Driving the implementation of credit risk policies at the branch level. Conducting regular training and upskilling programs for branch staff on underwriting standards and compliance.Process Improvement & Feedback Loop: Providing structured feedback to senior management (SMT) on market trends, policy gaps, and process challenges. Recommending enhancements and checkpoints to strengthen the underwriting framework.MIS & Compliance: Preparing and analyzing multiple MIS reports to ensure strict adherence to all internal policies and process guidelines. Proactively addressing any gaps.Training & Onboarding: Certified internal trainer for Day-1 induction sessions, delivering virtual training to new joiners on underwriting processes, risk management, and company protocols.
EDUCATION
NMIMS Global Access School for Continuing Education
DIPLOMA IN BUSINESS MANAGEMENT
Kurukshetra University
Bachelor’s Degree
ABOUT SAHIL SINGAL
Results-oriented credit and operations professional with over 8 years of experience in Credit Assessment, Underwriting, Operations, and Customer Service, with strong exposure to unsecured lending in Tier 2–5 markets. Proven ability to manage end-to-end credit operations, lead high-performing teams, and drive risk-controlled growth.Skilled in stakeholder management, collaborating effectively with cross-functional teams—including Sales, Risk, Collections, and Compliance—as well as senior leadership to align credit strategies with business goals. Recognized for proactive communication, problem-solving, and delivering actionable insights to improve credit policies, underwriting efficiency, and portfolio quality.Strong command over customer profiling, delinquency control, TAT adherence, process audits, and regulatory compliance. A hands-on leader with a commitment to training, team development, and continuous process improvement.
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