SAIF AHMAD

Credit Manager – Credit Underwriting Responsible for managing unsecured business and dairy loans by conducting thorough credit analysis and underwriting. Skilled in evaluating customer creditworthiness through CIBIL reports, financial discussions, and risk assessments. Ensure timely loan processing, approval, or rejection in adherence to company policies. Collaborate closely with sales and credit support teams to maintain efficient credit management and uphold TAT standards. Maintain daily MIS updates and monitor compliance with loan policy limits across jurisdictions. Handle customer communications to resolve credit issues and periodically review and update credit policies to mitigate risk and optimize portfolio quality.

Credit Manager – Risk and Credit Department Responsible for overseeing unsecured business and dairy loan portfolios, ensuring thorough credit underwriting and risk analysis. Skilled in evaluating creditworthiness through CB reports and financial data, maintaining turnaround times, and updating MIS daily. Collaborate closely with sales and credit support teams to optimize credit management processes. Manage loan application processing, risk rating, and disbursement decisions aligned with established policies. Monitor compliance with loan limits and regulatory changes across states. Address credit-related issues, resolve disputes, and periodically review credit policies to mitigate risk and support business growth.