Ashish Bhatiya

Experience

• 

  Keshav Industries Pvt Ltd

  Jan 2013 - Oct 2015

  Sales Manager

  Sales Manager-Selling Soyabean Oil Cooking Product

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  Megha Consultancy

  Oct 2015 - Nov 2017

  Credit Officer

  Looking LAP & Home Loan Product For Mandsaur -Neemuch-Ratlam location.⁕ Check's customer cibil with KYC before Personal discussion⁕ Personal discussion with customer for understand customer profile, living standard, client intension.⁕ Processing for credit appraisal, document verification, valuation, title search

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  Mahindra Home Finance

  Dec 2017 - May 2018

  Customer Manager

  ⁕ Sales Department Looking Home Loan Product ⁕ Personal Discussion With Customer⁕ Checking Login To Disbursement All Documents⁕ Completion of Pendency’s And Other Documents For Approval.⁕ Collection Case Are Coming In Further 6 Month After The Cases Disbursement.

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  AKME FINTRADE (I) LTD

  May 2018 - May 2019

  Assistant Credit Manager

  ⁕ Credit Department Looking Lap & Home Loan for Mandsaur -Neemuch-Ratlam location.⁕ Personal Discussion With Customer For Understand Customer Profile.⁕ Preparing The Cam & Generate The Santion Letter & Insurance Calculator ⁕ Login of Files After Confirming All The Compliance's of Documents For Kyc (Know Your Customer)⁕ Credit Processing Generate The Customer Cibil- Crif (High Mark)⁕ Checking Disbursement Documents ⁕ Processing For Credit Appraisal, Document Verification, Legal Document, Valuation Report, Title Search. Show less

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  Finova Capital

  May 2019 - Jun 2020

  Assistant Credit Manager

  Finova Capital is founded by Mr Mohit Sahney in 2015.It is NBFC licensed by Reserve bank of India. Idea of Finova Capital originated with a belief that if supported well then micro & small medium enterprises can play a pivotal role in growing Indian economy.⁕ Credit Department Looking Lap & Home Loan⁕ Personal Discussion With Customer For Understand Customer Profile.⁕ Managing The Whole Process From Login of a File Till Disbursement Among Credit And Sales With Team Members & Sales Coordinators.⁕ Preparing The Cam & Income Sheet & Insurance Calculator & Maintaining The TAT⁕ Login of Files After Confirming All The Compliance's of Documents For Kyc (Know Your Customer)⁕ Credit Processing Generate The Customer Cibil- Crif (High Mark)⁕ Checking Disbursement Documents ⁕ Processing For Credit Appraisal, Document Verification, Legal Document, Valuation Report, Title Search⁕ Management of Relationship With All The Vendors From Reports To Bill Processing⁕ Ini Coordinating /Managing Fi-Rcu & Verification Vendors.⁕ Lessoning With Credit For Approval of Files Such As Completion of Pendency’s And Other Documents For Approval.⁕ Login To Disbursement Process (Credit Approval, Fi Initiation, Rcu Initiation, Legal Initiation, Valuation Initiation⁕ Handled The Fresh Bouncing And Collection Case Are Coming In Further 6 Month After The Cases Disbursement. Show less

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  Aviom India Housing Finance Private Limited

  Jun 2020 - Apr 2021

  Credit Manager

  Aviom India Housing Finance Pvt. Ltd a leading NBFC in funding under the guidance and Leadership of Mrs. Kajal Ilmi - Founder (MD & CEO) of the company ⁕ Credit Department Looking Lap & Home Loan⁕ Handling a team of 1 branch 2 Spoke Location ⁕ Credit Appraisals & Sanctioning of Mortgage Loan, Home Loan & Loan Against Property (Lap)⁕ Responsible to frequent visit to Branches and provide training to credit team & sales team about Credit processes, compliance , deviations, on field by taking them on PD & Preparation of CAM⁕ Monitoring on Compliances as per Credit policy and appraising the loan proposals by analyzing Financial Statements, Banking & Cash Flows observed at the time of Personnel Discussion.⁕ Reviewing portfolio quality on a regular basis, taking adequate measures to control the delinquency. Meeting delinquent customers & regular bouncing customers during branch visits. Conducting branch audit and ensuring all the processes are in line with the guidelines of the organization.⁕ Taking care of credit Proposal assessment, recommendations, sanction reviews, post condition monitoring Team handling, training, and a monthly assessment of shared responsibility managing multiple products for secured products & Ensuring timely preparation and reporting of all the credit reports.⁕ Managing the credit processing activities, ensure systematic verification processes and coordinate with legal & technical vendors.⁕ Managing The Whole Process From Login of a File Till Disbursement Among Credit And Sales With Team Members & Sales Coordinators.⁕ Preparing The Cam & Income Sheet & Insurance Calculator & Maintaining The TAT⁕ Management of Relationship With All The Vendors From Reports To Bill Processing Show less

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  Supreme Housing Finance Limited

  Apr 2021 - now

  (Credit Department Looking Lap & Home Loan)Handling Madhya Pradesh Branches (Mandsaur - Neemuch - Shamgarh-Jaora-Ratlam-Nagda-Ujjian Location)Responsible for driving the Credit Underwriting for Products (LAP, HL) Credit decision TAT as per Company norms.Skills : Sanction • Credit Recovery • Risk Management • Credit Risk • Team Management • MIS • Portfolio Management • CreditAnalysis • Credit • Financial Risk • Loans • Management • Analytical Skills • Credit Management • Financial Services • MortgageUnderwriting • Financial Analysis • Underwriting • Management Information Systems (MIS) • Credit Appraisals • Team Building Show less (Credit Department Looking Lap & Home Loan)Handling Madhya Pradesh Branches (Mandsaur - Neemuch - Shamgarh-Jaora-Ratlam Location)Responsible for driving the Credit Underwriting for Products (LAP, HL) Credit decision TAT as per Company norms.Skills : Sanction • Credit Recovery • Risk Management • Credit Risk • Team Management • MIS • Portfolio Management • CreditAnalysis • Credit • Financial Risk • Loans • Management • Analytical Skills • Credit Management • Financial Services • MortgageUnderwriting • Financial Analysis • Underwriting • Management Information Systems (MIS) • Credit Appraisals • Team Building Show less (Credit Department Looking Lap & Home Loan)Handling 3 Branches (Mandsaur - Neemuch - Shamgarh Location) Team of 6 Branch Credit Manager and 30 Sales Team Members (Sales And Bm) Experience In Interacting With Rural And Semi Urban Clients ,Recommendation of Credit Proposals /Enhancements To Senior Credit Approvers ,Responsible For Maintaining The Credit TAT (Turn Around Time) Managing The Credit Processing Activities, Ensure Systematic Verification Processes And Coordinate With Legal & Technical Vendors, Handled The Fresh Bouncing And Collection Case Are Coming In Further 12 Month After The Cases Disbursement, Reporting To NCM Show less Supreme Housing Finance Ltd a leading NBFC in funding under the guidance and Leadership of Sushil Singla and Anil Kumar Gupta of the company ⁕ Credit Department Looking Lap & Home Loan⁕ Handling a team of 1 branch ⁕ Credit Appraisals & Sanctioning of Mortgage Loan, Home Loan & Loan Against Property (Lap)⁕ Responsible to frequent visit to Branches and provide training to credit team & sales team about Credit processes, compliance , deviations, on field by taking them on PD & Preparation of CAM⁕ Monitoring on Compliances as per Credit policy and appraising the loan proposals by analyzing Financial Statements, Banking & Cash Flows observed at the time of Personnel Discussion.⁕ Reviewing portfolio quality on a regular basis, taking adequate measures to control the delinquency. Meeting delinquent customers & regular bouncing customers during branch visits. Conducting branch audit and ensuring all the processes are in line with the guidelines of the organization.⁕ Taking care of credit Proposal assessment, recommendations, sanction reviews, post condition monitoring Team handling, training, and a monthly assessment of shared responsibility managing multiple products for secured products & Ensuring timely preparation and reporting of all the credit reports.⁕ Managing the credit processing activities, ensure systematic verification processes and coordinate with legal & technical vendors.⁕ Managing The Whole Process From Login of a File Till Disbursement Among Credit And Sales With Team Members & Sales Coordinators.⁕ Preparing The Cam & Income Sheet & Insurance Calculator & Maintaining The TAT⁕ Management of Relationship With All The Vendors From Reports To Bill Processing Show less

  • Regional Credit Head

    Apr 2024 - now

  • Regional Credit Manager

    Apr 2023 - May 2024

  • Area Credit Manager

    Apr 2022 - Apr 2023

  • Branch Credit Manager

    Apr 2021 - Apr 2022
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  Supreme Housing Finance Limited

  -

  Regional Credit Head