Arpit Gupta

ARPIT GUPTA Area Credit Manager at Hiranandani Financial Services E- -e Bikaner SUMMARY SKILLS A competent Finance & Accounts Professional with over 6 year of experience in Credit Management, Financial Analysis, Loan Processing, and underwriting skills, Data management & Accounting. Currently employed with Hiranandani Financial Services as Area Credit Manager. Having abilities to impact business growth and maximize profits through achievement in credit sanction, loan disbursement within TAT. Experienced in understanding and implementing credit policy. Expertise in finance & MS Office tools. Profecient in MS office EXPERIENCE Excellent verbal communication Area Credit Manager Hiranandani Financial Services LTD 03/2022 - Present Bikaner,Rajasthan, India Working as an Area Credit Manager for the Bikaner & other spoke locations and handling the MSME segment in mortgage loans. • Manage the entire credit process right from login to disbursement to make the coordination among the team members. • Identified risk associated with various profiles of business-likeTraders/Service providers and Manufacturers/Small scale industries in (LAP,MSME) & raising them to appropriate approving authority.. • Approve or recommend the loans within specified limits, and refer loan applications outside those limits to management for approval. • Assist to senior-level authorities with complex loan applications. Set credit policies, credit lines, procedures and standards in conjunction with senior managers. • Manage the quality of portfolio and Responsible for TAT with achievement of branches business and collection targets. Branch Credit Manager 12/2021 - 03/2022 Kogta Financial (INDIA) LTD Bikaner,Rajasthan, india Worked as a Branch Credit Manager for the Bikaner location and handled the MSME segment in mortgage loan. • Credit visit & meet with clint to obtain information for loan application and to answer about the process. • Analyse clint's financial status, credit , property evaluation to determine feasiblity of granting loans according to financial need. • Cerdit appraisal of loan application within defined SOP. Branch Credit Manager RBL Finserve LTD 02/2020 - 12/2021 Bikaner,Rajasthan, India Worked as a Branch Credit Manager for the Bikaner location and handled the MSME segment in mortgage and unsecured loans. • Credit visit and evaluate the requirement & end use of loanand measure the credit worth ness of clint according to the compliance,polices. • Use performance history along with liquidity and strength of business and evaluate the income/profit of clint. • Credit appraisal of loan application within defined guidelines and accordingly take decisions. Powered by  Data entry & good typing speed Internet browser and web service Analytical & problem solving skill Working knowledge of AP style Attention to detail Administration & team relationship Time management CERTIFICATE/COURSE RS-CIT- Rajasthan StateCertificate in Information Technology (RKCL) VMOU Accounting Fundamentals CFI Fundamentals of Credit CFI Reading Financial Statement CFI Introduction to Cporporate finance CFI Advance Lean Six SigmaYellow Belt S&G Careers in Financial Planning and Wealth Management CFI Risk Management and Insurance Planning CFI www.enhancv.com EXPERIENCE Assistant manager underwriting Bajaj Finserv ACHIEVEMENTS 08/2019 - 01/2020 Bikaner,Rajasthan, India Worked as an Assistant Credit Manager for the Bikaner cluster location and handled the MSME segment in mortgage and unsecured loans • Credit Appraisal of Loan applications within defined guidelines and accordingly take decision or recommend for approval to higherauthorities. • To evaluate proposals of clints for BL (Unsecured & Secured), Professional loan. • Use performance history along with liquidity, debt/asset management and profitability ratios to credit worthiness in evaluation. Use performance history along with liquidity, debt/asset management and profitability ratios to credit worthiness in evaluation. Dy. Credit Officer Chola Business Services LTD 07/2018 - 07/2019 Bikaner,Rajasthan, India Worked as a Disbursment Officer and Credit Officer for the Bikaner cluster location and handled the CV segment. • Performed daily Loan activity like lead generation, file login,cam preparation, cibil check, file disbursement. • PDD & query management of entire Bikaner area including 4branches. • TA management (Order to payment process) of dealers of entire Bikaner area. • MIS management. • Coordination with central team for query resolutions. Accountant Nowlakha & Associates 08/2016 - 07/2018 Bikaner,Rajasthan, India Worked as an Accountant. • Day to day accounting and managing files. • Preparing and analyzing accounting records and financial statements reports. • Assess accurately and confirm to reporting and procedural standards of the reports. • Compute taxes owed and prepare tax returns, ensuring compliance with payment, reporting and other tax requirements.' • Responsible for maintaining accounting ledgers and performed account reconciliation. • Preparing periodic reports to compare budgeted costs to actual costs. EDUCATION Won awards in various sports and cultural competitions at inter school level. Won best collection award in entire state. Won the twice tour for GOA. STRENGTHS Adapting expertise with the changing environment Strong problem-solving skills Capable of multitasking Ability to understand technical concepts quickly Ability to prioritize tasks and meet deadlines Knowledge of relevant industry trends and technologies Strong research and analytical skills INTRESTS Learning new tasks Exploring new places Kite flying M.Com, Commerce/Business, General Shri Jain PG College, Bikaner 06/2016 - 06/2018 Listen music B.Com, Commerce/Computer, General 06/2013 - 06/2016 LANGUAGES Govt. Dungar College, Bikaner Senior Secondary, Commerce/Computer 04/2012 - 05/2013 Board of Secondary Education, Rajasthan Powered by  www.enhancv.com ENGLISH Native HINDI Native