Manish Joshi has over 10 years of experience in credit underwriting and operations management in the banking and finance sector. He is currently working as a Credit Manager at Vistaar Financial Services Pvt Ltd in Indore. Previously, he has worked at Shubham Housing Development Finance Company, E-Nxt (Tata Motors Finance), and i-Process services (ICICI Bank) in roles involving credit assessment, loan processing, and customer relationship management. He holds a BA degree and has expertise in credit risk evaluation, cash flow analysis, and loan sanctioning.

1. CURRICULUM-VITAE
Manish Joshi
S/o. Shri P.K Joshi
14 Gulab Vihar Colony Rau, Indore
Mobile: 9993568385,
JOSHI_2105588@YAHOO.CO.IN
Career Objective
To polish my knowledge and skills by working with a professional and growing organization.
Challenging openings in Business Development, Credit Appraisal/Loans, Credit Administration;
Client Relationship Management with growth oriented organisation; preferably in Banking Sector.
CARRIER HIGHLIGHTS
 Working with Vistaar Financial Services Pvt Ltd. - at Indore in Mortgage
Loan ,(SBML&SBHL) Credit & Risk Department and Ops Department &
Branch Handling as Credit Manager From 22-May-2014 to Till Date.
 Worked with Shubham Housing Development Finance Company Pvt Ltd.
-at Indore in Home Loan Credit & OPS Department and Branch Handling
as Credit Officer. From 07July-2013 to 21-May-2014.
 Worked with E-Nxt (Group of TATA MOTORS FINANCE LTD) - Indore In
Auto and CV Credit & OPS Department as CPC. From Oct-2011 to Feb-
2013.
 Worked with i-Process services (India) pvt. Ltd (Service provider for ICICI
Bank LTD) - Indore in Auto and PL Credit Department as CPC. From
May- 2006 to Oct-2011.
Presently Working
Working with Vistaar Financial Services Pvt Ltd. - at Indore as Credit Manager From 22-May-2014
to Till Date.
* Credit underwriting including 2 year team handling experience.
* Underwriting experience in mortgage and home loan .
* Calculating eligibility and Financial Analysis according to different products and doing
Credit Appraisal.
* Checking CIBIL and Equifax.
* Handling branch activities
* Handling the team of credit operation and sales team of the branch.
* Field visit and Personal discussion with customers to understand employment, business,
cash flows, regular and routine expenses, existing loan obligation and its detail and purpose
of loan, etc.
* KYC, compliance with financial & other documents check list.
* Co-ordinate with legal, technical, FI. Tracking agency performance on TATs.
* CAM preparation and recommendations of loans and obtaining sanction.
* Underwriting of loan proposals and sending them for approval.
* Customer services to all acquired customer.

2. Approving authority of 4lac.
Mortgage Loan (SBML & SBHL) Credit Department and also funding to home loan for purchase &
construction.
Mortgage loan ticket size 3lac to 25lac. (As per policy).
Small business hypothecation loan (SBHL) loan ticket size 40k to 95k for rural branches (As per
policy).
 Initial check of files before login and processing with zero percent error.
 Managing pre appraisal & Post appraisal processing of small Business
mortgage,improvement,construction, loan Proposals.
 Preparing cash flow analysis.(CFA)
 Co-ordinate with Legal, Valuer and FI agency for processing the file.Managing CIBIL,
Dedup, highmark process.Managing the overall TAT.
 Assessment of new proposal login & Sanction from Rs.25 Lac as per policy & compliance
and process.
 Personal discussion with customer / client with intent to understand and analyse associated
risks in the business and financial standing of the client.
Personal Discussion & Visit at Business Premises, Residence of the customer to check & also
TRC visit understand the customer's income and expense flows .
 understand customer business/enterprise in depth and draw out the assessment peculiarities of
the business or trade engaged in.Customer loan requirement and end use confirmed.
 Aassess the income, ability, intention, business sustainability & credit behaviour and verify it
through non-traditional income documents & reference checks as well as from traditional
income documents and various kinds of credit bureau checkHandling post disbursement
process of product.
 Verify legal and technical reports and identify the risks or critical points impacting the
proposal.Screening the Legal Search & Security Report prepared by Advocates and arranging
legal for strict compliance.
 Prepared Credit Approval Memo.Manage the entire credit application process right from
origin till disbursement.
 Prepare and maintain MIS covering all aspects process and proposal and circulate to
authorities on timely basis.Handling all operations activity and flowing collection activity.
 Daily huddle meeting taken of business growth.
 Also handling the other location.(Dewas,Sanwad, Maheshwar,Khargone,Kahndwa Ujjain)
ORGANIZATION : Shubham Housing Development Finance.
Credit & Operations:
 Assessment of new proposal login & Sanction from Rs.12 Lakh as per policy & compliance
and process.
 Personal Discussion & Visit at Business Premises & Residence of the customer to check &
understand the customer's income and expense flows.
 Handling post disbursement process of product.
 Interacting with Sales Team & Operation Team.
 Tele calling on customer & references for decline delinquency.
 Managing TAT.
 Managing CIBIL, Dedup & RCU process.
 Handling vendor management system.
 Preparing and reporting various MIS on daily and monthly basis and provide training to new
joining CO & BOO.
 Handling all operations activity.
 Handling over the customer grievances.

3. ORGANIZATION : Tata Motors Finance Ltd.
Credit & Operations:
 Credit Assessment and valuation of Clients. Job involves processing of loan proposals and
evaluation of the proposals.
 Leading an independent feedback desk all the DMA’s / DME’s and reporting directly to the
ACM and ASM of Tata Motors Finance Ltd.
 Analysis of overall case based on information available on application form enclosed
documents and field investigation report.
 Confirm any incorrect / improper information by way of talking to marketing executive and
applicant directly.
 Co-ordination with DMA and DST of Tata Motors Personals for decision of proposals of
loans.
 Sending MIS (Daily Business report and Monthly Business Credit Report) to Tata Motors
Finance Ltd Personals.
 Evaluating and Credit pitch preparation of the loan application based on various parameters
and norms.
 Above all the activities and other precautionary measure that I consider on case-to-case basis
keeps the portfolio away from delinquencies.
 All DMA’s / DME‘s Files Login Daily Basis.
ORGANIZATION : ICICI BANK LTD.
Credit & Operations:
 Credit Assessment and valuation of Clients. Job involves processing of loan proposals and
evaluation of the proposals.
 Leading an independent feedback desk all the DMA’s / DME’s and reporting directly to the
ACM and ASM of ICICI Bank Ltd.
 Analysis of overall case based on information available on application form enclosed
documents and field investigation report.
 Confirm any incorrect / improper information by way of talking to marketing executive and
applicant directly.
 Co-ordination with DMA and DST of ICICI Bank Personals for decision of proposals of
loans.
 Sending MIS (Daily Business report and Monthly Business Credit Report) to ICICI Bank
Personals.
 Evaluating and Credit pitch preparation of the loan application based on various parameters
and norms.
 Assist the Disbursement team when required.
 Above all the activities and other precautionary measure that I consider on case-to-case basis
keeps the portfolio away from delinquencies.
 File Checking and disbursement files of PERSONAL LOAN & AUTO LOAN product by
the FINNONE WEBS APS (Application Processing System) Area handled: Indore Hub
including 2 spoke location (Dewas & Ujjain).

4. PDD Coordinator: ROLES AND RESPONSIBILITIES:: To co-ordinate all the branches (MPCG
& GJ) & compile MIS with report of post disbursed Commercial vehicle document & disbursed
contracts with WIRR.
: Coordinating and resolving queries from COPS team. Creating Disbursed Actual Data for quality
report with WIRR of each Hub in MP.
: Follow-up to the all DSA & PDD agency for Maximum PDD collection of Madhya Pradesh.
: All collected clear PDD sent to COPS for updation after updating in CTS software.
: Every morning updates report with MIS sent to Sales team, ACM, RCM, DSA & PDD Agency of
MPCG & GJ
: Done all PDD work & coordination in MP and only MIS activity in CG & GJ.
Roles & Responsibilities:
 Managing Office work
 Credit Collection
 Managing Relation with customers.
ADDITIONAL QUALIFICATION:
 One Year Diploma in Computer Application.
 Participated in Cricket Competition at School level & College Level.
 Worked as a Vice Captain at School Level.
 Taken part in various activities as sports and cultural at school and college level
Academic Qualification:
Standard Year Board/University Total Mark Mark Obtained %
Class 10th 1999 M.P. Board 500 286 57.00%
Class 12th 2001 M.P Board 450 202 49%
B. A. 2014 D.A.V.V. 450 188 41.77%
Computer proficiency:
Familiar with Windows, Dos, Ms-Office, FoxPro, C+ & Internet operation.
Professional Strength:
 Excellent analytical presentation skills
 Optimally use the resources
 balanced flexibility and control
About myself
 Positive attitude
 Dynamic team player
 Keen observer
 Self driven and motivated.

5. Personal Information:
Father's Name : Shri Pradeep Joshi.
Phone No. : 9993568385
Date of Birth : 08.02.1983
Marital : Married
Nationality : Indian
Language Known : Hindi & English, Marathi.
Hobbies : Reading Books & Traveling & Playing Cricket,
Reference : 1) Sudhir Karnik (ACM) Tata Motors Ltd
-8889999717.
: 2) Tushar Garud (ACM) ICICI BANK LTD, Mob:-
9893654986.
Date: (Manish Joshi)
Place: - Indore