Hello I'm,

Neeraj Garwal

I'm Credit Manager at
Bandhan Bank Ltd.

Finance | Marketing | Portfolio Management | Risk Management

My Works

About Me


  • Results-driven Credit Manager with a strong foundation in credit analysis and risk management of effectively managing credit operations, mitigating risks, and optimizing lending processes.
  • Adept at analyzing financial data, evaluating creditworthiness, and implementing strategies to enhance overall portfolio performance.
  • Skilled in adhering to regulatory compliance, optimizing loan approval workflows and cultivating strong relationships with clients, internal teams, and regulatory bodies to ensure compliance and achieve business objectives.

Skills


Excel
MS-Office
Digital Marketing
Financial Analysis
Web 3.0
Team Management
Negotiation
Risk Management
JAVA, HTML

Work Experience

...
Bandhan Bank Pvt. Ltd.
D.O.J : Jul, 24- Present

Key Responsibilities:
• Reviewing personal and business loan applications through thorough credit assessments and proactive management, ensuring accuracy in financial evaluations and creditworthiness.
• Performing Multiple Credit Visits for different businesses, Self Employed and Salaried Individuals to evaluate creditworthiness, financial stability, growth potential, and repayment capacity.
• Ensuring proper compliance of company policies, legal & regulatory regulations and industry standards.
• Liasioning with various internal teams for effective achievement of business goals.

See live
...
YES Bank Ltd.

D.O.J : Apr,23 - Jul 24

Key Responsibilities:
• Reviewing applicant credit applications and ensuring keen attention to detail in assessing financial documents and ensuring accuracy in credit evaluations and credit worthiness.
• Reviewing portfolio on monthly basis and ensuring corrective measures to thrive in a fast-paced and dynamic work environment, adapting to changes and evolving industry trends.
• Contributed to a book size of 38+crore with more than 360+ accounts with 1.8% in 30+ bucket, Nil in 60+ bucket and 4 NPA accounts with sum of 0.01cr, With Nil Post Appraisal Review Observation. Best Performer for consecutive quarters.
• Multiple Pre-emptive Fraud Alert published saving cumulative of 1.5cr+ applied loan amount.

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Internships

...
Learningshala

| Feb 23 - Mar 23 |

Key Responsibilities:
a. Prospecting Clients
b. Negotiation
c. Follow-ups
d. Closure

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...
Tradeshala Research And Consulting Firm

| June 22 - Aug 22 |

Key Responsibilities:
a. Portflio Management
b. Risk Management
c. Developing trading strategies

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...
Mars Exploration Pvt. Ltd.

Key Responsibilities:
a. Screening Resume's
b. Recruiting Candidates

See live
...
Finlatics.com (2020)

Key Responsibilities:
a. Portfolio Management
b. Industry Research

See live

Certification Courses

Here are some of my certifications.

...
Decentralized Finance (DeFi) Infrastructure

Key Learning:
Cryptography, Smart Contract, Decentralized Protocols, Governance, Blockchain Mechanics

See Credentials
...
Introduction To Data Analysis Using Excel

Key Learning:
Sorting and Filtering data, Preparing well-formatted reports, Conditional formatting, Vlookup, Pivot tables and Visualisations.

See Credentials
...
Startup India Learning Program

Key Learning:
Idea Identification & Assessment, Legal Foundation, Financial Basics, Business Planning, Fundraising & Valuation.

See Credentials
...
Fundamentals of Digital Marketing

Key Learning:
Finding Online Opportunities, Builiding web presence, Planning Online business oppportunities.

See Credentials
...
Web Analytics

Key Learning:
Data Analytics Tools, Google Analytics

See Credentials

Achievements

...
Interview (2021)

Honored to take the Interview of the first
Indian Hydroponics Company Founder: Mr Aniket Shukla
(Founder of Agrijoy)

Watch Now

Volunteer

...
Technovation Event

Key Responsibilities:

    Prepared Event Budget
  • For Event Sponsors
  • For Different Internal Organising Team (Cost Effective)
  • See live

Connect

Feel free to contact me for any queries or projects.

+91-7060928075

Contact

neerajgarwal3@gmail.com

Mail

Bhimtal,Nainital, India

Address

Reach out