HARSHUL MITTAL
CREDIT MANAGER
Mumbai
Summary
Finance and IT professional with 10- years of experience in credit analysis of retail and project loans and 1.5 years of experience in IT sector.
Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 10 years of financial industry expertise.
Overview
14
14
years of professional experience
6
6
years of post-secondary education
2
2
Languages
Work History
Credit Manager
LIC Housing Finance Ltd.
Mumbai, Maharashtra, India
05.2023 - Current
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Negotiated payment plans with delinquent customers to minimize losses while maintaining positive client relationships.
- Collaborated with management to evaluate credit strategies and develop improvements.
Area Manager
LIC Housing Finance Ltd.
Ajmer, Rajasthan, India
05.2022 - 04.2023
- Developed and implemented strategies to improve customer service and increase sales.
- Liaised with sales, marketing, and management teams to develop solutions and accomplish shared objectives.
- Led a team to achieve company goals and exceed targets consistently, fostering a positive work environment.
Area Manager
LIC Housing Finance Ltd.
Kishangarh, Rajasthan, India
05.2019 - 04.2022
- Managing the overall process of home loans, from loan origination to loan management.
Asst. Manager
LIC Housing Finance Ltd.
Jaipur, Rajasthan, India
05.2017 - 04.2019
- Credit analysis and appraisal of retail home loans by doing detailed financial and non-financial analysis.
Asst. Manager
LIC Housing Finance Ltd.
Udaipur, Rajasthan, India
05.2015 - 04.2017
- Credit analysis and appraisal of retail home loans by doing detailed financial and non-financial analysis.
Management Trainee
LIC Housing Finance Ltd.
Jaipur, Rajasthan, India
06.2014 - 04.2015
- Credit analysis and appraisal of retail home loans by doing detailed financial and non-financial analysis.
Systems Engineer
Infosys Ltd.
Hyderabad, India
11.2010 - 05.2012
- Worked on 'Cransoft' tool and MS SQL
- Also involved in Web Designing.
Education
MBA - Finance, Marketing
Institute of Management Technology (IMT)
Nagpur, India 04.2012 - 04.2014
B.E. (Computer Science & Engineering) - Computer Science
College of Technology And Engineering (CTAE)
Udaipur , India 01.2006 - 04.2010
Skills
- Financial Analysis
- Negotiation
- Customer Service
- Team Leadership
- Public speaking and presentation
- Proficient in use of MS-Office
Analytical Thinking
Loan Processing
Hometown
Udaipur
Personal Information
- Date of Birth: 03/26/1988
- Marital Status: Married
Timeline
Credit Manager
LIC Housing Finance Ltd.
05.2023 - Current
Area Manager
LIC Housing Finance Ltd.
05.2022 - 04.2023
Area Manager
LIC Housing Finance Ltd.
05.2019 - 04.2022
Asst. Manager
LIC Housing Finance Ltd.
05.2017 - 04.2019
Asst. Manager
LIC Housing Finance Ltd.
05.2015 - 04.2017
Management Trainee
LIC Housing Finance Ltd.
06.2014 - 04.2015
MBA - Finance, Marketing
Institute of Management Technology (IMT)
04.2012 - 04.2014
Systems Engineer
Infosys Ltd.
11.2010 - 05.2012
B.E. (Computer Science & Engineering) - Computer Science
College of Technology And Engineering (CTAE)
01.2006 - 04.2010
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