Headline

Credit Manager | Empowering Businesses Through Strategic Credit Control & Risk Assessment

About

I started my professional journey in Dubai, UAE, working as a Front Office Cashier at Barbeque Nation, where I developed strong customer service and cash-handling skills in a fast-paced environment. After returning to India, I worked in an international call center in Noida, enhancing my communication and client-handling abilities. During the COVID-19 period, I moved back to my hometown. Post-pandemic, I transitioned into the banking sector, working with ICICI Bank for 1.5 years, where I gained valuable experience in financial services and customer relationship management. I then joined Cholamandalam Finance, continuing to build my expertise in credit and lending for another 1.5 years. Currently, I am working with SK Finance in the Loan Against Property (LAP) Credit Department, where I focus on credit assessment, risk analysis, and ensuring quality loan approvals.

Location

Jalandhar

Work experience

Credit Manager at SK Finance Ltd, Nov 2025 - Present · 8 mos, Jalandhar, Punjab, India, Assessing loan applications by evaluating the borrower’s financial profile, income, and repayment capacity Analyzing property documents to ensure the collateral is legally clear and properly valued Managing credit risk by checking credit history (like CIBIL score) and identifying potential defaults Approving or recommending loans based on internal policies and risk guidelines Monitoring loan performance to ensure timely repayments and reduce NPAs (Non-Performing Assets)

Credit Officer at Cholamandalam Investment and Finance Company Limited, Aug 2024 - Present · 1 yr 11 mos, Jalandhar, Punjab, India, Analyzing queries in the files making banking, balance sheet, data excel, Legal checking for pre disbursement papers and post disbursement ,both asset& debtor based cersai, cibil checking for tracks make docket ready for H.O

Credit Officer at ICICI Bank, Jan 2023 - Jul 2024 · 1 yr 7 mos, Punjab Jalandhar, login & Disbursement of commercial vehicle, commercial equipment, medical equipment loan

Cashier at Barbeque Nation Hospitality Ltd., Apr 2017 - Feb 2019 · 1 yr 11 mos, Dubai, United Arab Emirates

Internship Trainee at Radisson Hotel Group, Dec 2015 - Apr 2016 · 5 mos, Shimla, Himachal Pradesh, India

Education

CT University, Hospitality Administration/Management, City vocational public school

Bachelor's degree, Hospitality Administration/Management, CT University