---
title: "Amanpreet Kaur - Area Credit Manager in Chandigarh | Tal"
description: "Meet Amanpreet Kaur, Currently looking for a job opportunity based in Chandigarh."
image: "https://tal.club/meet/amanpreet-kaur-1/share-image"
---

# Amanpreet Kaur on Tal

## Headline

Currently looking for a job opportunity

## About

7 years of successful experience as Credit Manager\. Consistently developing quality business, expanding established accounts and meeting/ extending goals through creative, customer\-driven and solutions\-focused strategy\. Experience working with clients across various sectors, Using LOS and conducting financial analysis to measure credibility of customers, strong analytical, organisational and follow through skills within the speculation time\.

## Location

Chandigarh

## Work experience

Area Credit Manager at Protium Finance, Jan 2024 \- Present · 2 yrs 6 mos, Chandigarh, India, Lead the credit underwriting function for unsecured business loans up to INR 50 lakhs\. Independently analyze financial documents including banking statements, GST filings, and income tax returns to assess borrower credibility\. Conduct thorough telephonic personal discussions \(PDs\) with clients to verify business background, assess financial health, and investigate any derogatory history\. Perform on\-site visits to understand business operations, cash flow cycles, and evaluate business viability\. Ensure timely processing and sanctioning of cases using Meraki software while adhering to strict TATs\. Collaborate closely with operations to complete documentation and finalize disbursement of sanctioned loans\. Maintain detailed MIS reports on all credit decisions\-approved, rejected, and disbursed\. Provide ongoing product and credit policy training to Credit Processing Agents \(CPAs\) and Sales Managers \(SMs\)\.

Credit Operations Manager at Cholamandalam Investment and Finance Company Limited, Jul 2022 \- Dec 2023 · 1 yr 6 mos, Punjab, India, Managed the end\-to\-end credit evaluation process for multiple loan products including unsecured business loans, personal loans, and professional loans\. Reviewed financials, banking history, and GST data using Kuliza platform\. Handled escalations and coordinated with field verification teams to ensure accurate due diligence\. Worked cross\-functionally with collections, legal, and operations to streamline disbursement processes\. Played a key role in improving credit quality metrics and reducing TATs\.

Credit Manager at Axis Bank, May 2022 \- Jul 2022 · 3 mos, Noida, Uttar Pradesh, India, Underwrote unsecured business loan proposals routed through the central credit team\. Conducted personal discussions and made viability assessments using Servosys software\. Processed approved files into Finnone for final disbursement coordination\. Ensured compliance with RBI norms and internal credit policies\.

Branch Credit Manager at IDFC FIRST Bank, Dec 2020 \- May 2022 · 1 yr 6 mos, Zirakpur, Responsible for Credit Underwriting, Personal Discussion \(PD\) with Client, Analyzing, Sanctioning the case, Disbursement as well as the Restructuring of the cases\. Currently handling Micro Business Loan \(Both Secured & Unsecured\)\. Credit Underwriting:  Analyzing the case which includes analyses Banking, Financials, & ITR of the certain case and determine the viability of the case\.  Conduct Tele\-PD and One\-on\-One Personal Discussion with the client, all the necessary verification, and decide whether to provide loan or not by Analyzing Pros & Cons of the entire case\.  Restructuring is also a viable part\. Analyzing the cases, understanding current position of the clients, business and market\. Accordingly restructure the cases\. Sanctioning & Disbursement:  Process the case in SFDC for Sanctioning the case within the given TAT\.  Maintain Credit MIS accordingly & prepare for the disbursement\.  Cases are moved to Finnone where case is checked crucially & then accordingly send the file for final disbursement\. Other Delegates:  Maintain Credit MIS of all the cases logged in, sanctioned, disbursed as well as rejected in underwriting\.  Looking after Branch Keys & Vault of the Micro Branch\.  Property paper management  Pre\-EMI Calling for all disbursed cases  Give Product & Process Related training to the fellow subordinates & colleagues

Credit Manager at Utkarsh Small Finance Bank, Apr 2018 \- Apr 2020 · 2 yrs 1 mo, New Delhi Area, India, Specialization in underwriting and appraisal of Business Loan \(Both Secured \- LAP & Unsecured\), Salaried Personal Loan, Professional Loan & Home Loan\. Credit Underwriting:  Generation of CB report, analyzing the cases using Banking, Financials, Ratios & ITR of the certain case and determine the viability of the case\.  Conduct Tele\-PD and Personal Discussion with the client, all the necessary verification, and provide decision loan to be approved or rejected on the basis of the Analysis, Pros & Cons of the entire case\. Sanctioning & Disbursement:  Process the case in LOS for Sanctioning and present the case before CC Committee within the given TAT\. Accordingly, Maintain Credit MIS, Check every bit of the file & prepare for the disbursement\. Final Sign off the file for disbursement by completing all the case related queries\. Client Monitoring:  Monitoring assets created by bank from time to time\.  After Disbursement, within a stipulated time Monitoring is done by visiting the Client by maintaining TAT to know the End Use of the Lending\.

## Education

Master of Business Administration \- MBA, Accounting and Finance, The ICFAI University, Dehradun

Bachelor of Business Administration \- BBA, Business Administration and Management, General, Jagannath International Management School,Vasant Kunj

[View the original profile](https://tal.club/meet/amanpreet-kaur-1)

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Person",
      "@id": "https://tal.club/meet/amanpreet-kaur-1#person",
      "name": "Amanpreet Kaur",
      "url": "https://tal.club/meet/amanpreet-kaur-1",
      "image": "https://tal.club/meet/amanpreet-kaur-1/profile-photo.jpg",
      "description": "Meet Amanpreet Kaur, Currently looking for a job opportunity based in Chandigarh.",
      "jobTitle": "Area Credit Manager",
      "worksFor": {
        "@type": "Organization",
        "name": "Protium Finance"
      },
      "hasOccupation": {
        "@type": "Occupation",
        "name": "Area Credit Manager"
      },
      "homeLocation": {
        "@type": "Place",
        "name": "Chandigarh"
      },
      "alumniOf": [
        {
          "@type": "EducationalOrganization",
          "name": "The ICFAI University, Dehradun"
        },
        {
          "@type": "EducationalOrganization",
          "name": "Jagannath International Management School,Vasant Kunj"
        }
      ],
      "mainEntityOfPage": {
        "@id": "https://tal.club/meet/amanpreet-kaur-1#webpage"
      }
    },
    {
      "@type": "ProfilePage",
      "@id": "https://tal.club/meet/amanpreet-kaur-1#webpage",
      "url": "https://tal.club/meet/amanpreet-kaur-1",
      "name": "Amanpreet Kaur on Tal",
      "description": "Meet Amanpreet Kaur, Currently looking for a job opportunity based in Chandigarh.",
      "dateModified": "2026-06-10T13:55:59.309Z",
      "isPartOf": {
        "@id": "https://tal.club/#website"
      },
      "mainEntity": {
        "@id": "https://tal.club/meet/amanpreet-kaur-1#person"
      },
      "primaryImageOfPage": {
        "@type": "ImageObject",
        "url": "https://tal.club/meet/amanpreet-kaur-1/profile-photo.jpg",
        "contentUrl": "https://tal.club/meet/amanpreet-kaur-1/profile-photo.jpg",
        "caption": "Amanpreet Kaur profile photo on Tal"
      },
      "inLanguage": "en-IN"
    }
  ]
}
```