Ankit Namdeo

Regional Credit Manager – Risk and Credit Department Responsible for credit appraisal and sanctioning of tractor loans (new/used) and used car loans across MP and MH states. Expertise in underwriting, maintaining delinquency controls, and conducting root cause analysis to mitigate credit risks. Lead capability building through monitoring, training, and mentoring branch credit teams to enhance credit quality and operational efficiency. Ensure adherence to credit policies, timely loan approvals, and robust risk management to support portfolio growth and asset quality.

State Head – Risk and Credit Lead credit appraisal and risk management for tractor loans, focusing on rural lending under PSL guidelines across mortgage and non-mortgage, new, and refinance segments. Develop and implement rural lending policies aligned with current market dynamics. Conduct root cause analysis to identify and mitigate credit risks. Oversee and train sales and collection teams to enhance portfolio quality and recovery efficiency. Drive strategic initiatives to optimize credit operations, ensuring compliance, portfolio growth, and risk mitigation at the state level.

Location Manager – Risk and Credit Department Responsible for comprehensive credit appraisal and underwriting of tractor loans (PSL), mortgage and non-mortgage new and refinance cases across multiple locations including Guna, Ashok Nagar, Gwalior, and others. Ensure delinquency control through rigorous monitoring and root cause analysis. Lead capability building, training, and development of branch credit and collection teams to enhance portfolio performance. Drive rural lending strategies, policy formulation, and sanctioning of loans aligned with current market trends. Oversee credit appraisal for vehicle and farm asset loans, maintaining risk compliance and quality underwriting standards.

Deputy Manager, WBO Department Managed Clearing CMS products including Fund Management, CASA Operations, Unit Management, Retail Liability & Asset operations. Oversaw vendor management, authorized and verified daily vouchers, and handled creation, suspension, posting, and closure of clearing zones (inward/outward/return). Processed cheque entries and managed Cash Management Services (CMS). Authorized and liquidated PAPs, prepared Demand Drafts and Pay Orders. Consistently achieved 90%+ audit compliance, ensuring operational excellence. Provided critical support and guidance to emerging branches within the cluster, driving seamless branch integration and performance.

Credit Manager – Risk and Credit Department Responsible for comprehensive credit appraisal and underwriting across diverse loan products including TW, STPL, PL, HL, and HE. Lead branch credit operations, ensuring stringent delinquency control and performing root cause analyses to mitigate risks. Oversee sanctioning of loans, manage CPV & FCU (RCU) agency, and in-house FCU processes. Drive capability building through monitoring, training, and development of branch credit teams. Consistently maintain an A+ grade audit file rating with a 99% score at Fullerton India Credit Co. Ltd., demonstrating excellence in credit risk management and operational compliance.

Credit Manager – Risk and Credit Department Responsible for comprehensive credit appraisal, underwriting, and sanctioning of loans including Term Works (TW), Short Term Personal Loans (STPL), Cash Credit (CD), Personal Credit (PC), and 3-Wheeler financing. Manage branch credit operations, oversee 17 DMA and 6 trainees, and ensure stringent scrutiny and processing of loan applications. Lead capability building, mentoring, and training initiatives to enhance branch credit team performance. Maintain delinquency within control through effective monitoring and post-delivery documentation verification. Handle vendor queries, CPV and FCU agency coordination, and comply with Head Office directives to ensure seamless loan disbursement and operational excellence.

As a Commercial Officer in Credit Operations, you will oversee the end-to-end management of commercial vehicle loan accounts, including account handling, proposal allotment, receipting, and document verification for disbursement. Responsibilities include daily cash and bank reconciliations, report generation, and accurate calculation of AFC. You will manage Hire Purchase accounts, coordinate general and life insurance operations, and handle deposits and debenture processes. The role involves case foreclosure, file maintenance, and monitoring customer repayment positions to ensure compliance and optimal portfolio performance.