Amit Upadhyay

Experience

• 

  Axis Bank

  Sept 2016 - Sept 2021

  Handling PAN India CV loans upto 1CR, Handling Backend team of CPA and 3rd Party vendors, establish coordination with local CPA and Credit team for timely decision of cases. Handling testing and provide feedback to policy team and for tools modification. Timely decision of cases, Maintaining TAT, Financial Analysis in captive user, Handling mix portfolio of Retail as well as strategic clients.

  • Deputy Manager

    Apr 2021 - Sept 2021

  • Credit Manager (CVCE)

    Sept 2016 - Sept 2021
• 

  KOGTA FINANCIAL (INDIA) LIMITED

  Sept 2021 - Oct 2021

  Branch Credit Manager

  Started working as BCM - Vehicle Loans, Noida location. Its time to learn new thing with industry expert.

• 

  HDFC Bank

  Oct 2021 - Sept 2022

  Credit Manager - Auto Loan (Auto Premium Car Loan)

  Handling big ticket size and exposure cases, Premium Car Loans, Handling Gross Non Starter, Collection, Video PD with cust, Financial analysis. Retail Risk assessment, TAT management, Approval ratio , Decision of cases on timely basis, Managing CPV agency and CPA team.

• 

  Kotak Mahindra Bank

  Sept 2022 - Mar 2023

  Credit Manager - Business Loan.

  #Credit Appraisal.- Ensure underwriting is done with desired quality, Peruse loan application within timelines.Use performance history, liquidity, Profitability ratios to assess creditworthiness.#NPA Trend-Analyze NPA trend basis area, industry and sector.Monitor delinquency, regularly interact with customer to understand their business, monitor portfolio.Skill -Business Dynamics, product to offer various customer segments. Understanding of economics and implication of economic policies.Financial understanding to arrive at lending decisions.Analyze news/Information, change in law, financial data. Show less

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  Federal Bank

  Mar 2023 - now

  Credit Manager- Large Ticket Value loans

  ->Handling and cater entire north India CVCE loans and limit proposal.->Member of regional level sanctioning committee with Authority of 350Lacs.->Proposing High value cases to NCH and other approving committee for approval.->Ensuring all compliances and policy to be complied while appraising and sanctioning the proposals.-> Doing RAM and Cress Rating of Customer.