Jatin Singh

 Gurugram, Haryana
 +91-9999370762
 jatin.bhambhu29@gmail.com

Work experience
Branch Credit Manager 09-01-2023 - Till date
Fusion Microfinance Ltd.
Conduct comprehensive credit analysis and mortgage loan underwriting, ensuring accurate risk assessment
and timely loan disbursal.
Manage a diverse portfolio of home loans, business loans, and loan against property (LAP), effectively
balancing risk and profitability.
Facilitate funding for machinery and solar equipment through hypothecation, ensuring compliance with legal
and regulatory requirements.
Analyze and report on the legal and technical factors of mortgaged collateral, ensuring the security and
viability of loan assets.
Perform income analysis and computation for both formal and informal customer segments, ensuring fair
and accurate loan evaluations.
Coordinate and collaborate with various departments to streamline loan processes and ensure seamless
customer experience.
Manage and report on various management information systems (MIS) and databases, providing accurate
and up-to-date information for decision-making.
Diligently proofread all reports and documentation, ensuring accuracy, clarity, and professionalism.

Credit Manager 08-02-2021 - 07-01-2023

Ummeed Housing Finance
Effectively managed credit operations as a Credit Manager at Ummeed Housing Finance.
Assessed and evaluated creditworthiness of loan applicants, ensuring adherence to company policies and risk
management guidelines.
Developed and implemented credit risk mitigation strategies, resulting in a reduction of default rates by 15%.
Conducted thorough financial analysis and due diligence to make informed lending decisions.
Collaborated with cross-functional teams to streamline credit processes and improve efficiency.
Maintained accurate and up-to-date credit records and documentation.
Provided exceptional customer service, addressing inquiries and resolving credit-related issues promptly and
professionally.
Stayed updated with industry trends and regulations to ensure compliance and mitigate potential risks.

Education
MBA finance and internat ional Business 2018 - 2020
Ansal university
7.23/10 CGPA
Dual Specialisation in Finance & International Business
Short term course at Warwick University London
Internship at Kotak Mahindra Bank

B.com Hons. 2015 - 2018

 Ansal university
7.0/10 CGPA
Finance & Taxation Specialisation
Microsoft office specialist certification obtained

Higher secondary schooling (10+2) - 2015

CBSE BOARD
76% marks in 10+2 with PCM.
8.0 CPGA in class 10th
English Medium Affiliated to CBSE board
Active part in co-curricular and Sports events

Skills
Loan underwriting and
Financial analysis

Regulatory compliance

Negotiation and
communication

Relationship management
with lenders and financial
institutions

Training and mentoring

junior underwriters

Process improvement and

efficiency

Customer satisfaction and

retention

Analytical and critical

thinking

Attention to detail and

accuracy

Time management and

prioritization
 Knowledge of relevant
software and technology

Adaptability to industry
changes and trends

Risk assessment and

mitigation

Summary
I thrive in high-pressure and fast-paced situations, striving for positive results by applying my skills in evaluating
creditworthiness, managing credit risk, and ensuring compliance with lending cies. I successfully led a team to
analyze credit applications, assess borrower profiles, and make med lending decisions
I have skilfully balanced organizational objectives and productive relationships, strategizing and recommending
ways in which to achieve and maintain a competitive business edge.