HEMAL Vakharia
Credit Officer
About
Financial services and insurance operations professional with over 27 years of experience in credit operations, loan documentation, branch operations, customer service, policy servicing, and process administration.
Experience
Credit Officer, Credit Department
MAS Financial Services Limited
July 2023 to May 2026
Scrutinized KYC documents for salaried cases, two-wheeler and commercial vehicle loans, and private limited companies; assessed eligibility, prepared Credit Appraisal Memos, supported security assessment and loan disbursement, and maintained branch login MIS.
Deputy Manager, Branch Operations and Customer Service
Future Generali India Life Insurance Company Limited
October 2022 to June 2023
Handled branch operations teams, proposal verification, policy servicing, banking activities, MIS preparation, refunds, and customer queries while meeting service-level requirements.
Deputy Manager, Two Wheeler/Commercial Vehicle Operations and Credit
Manappuram Finance Company Limited
June 2017 to October 2022
Managed document verification and loan contract booking for two-wheeler and commercial vehicle finance; coordinated with sales and credit teams, resolved audit discrepancies, maintained MIS, generated loan account numbers, and supported post-disbursement processing.
Assistant Manager, Customer Service
Kotak Life Insurance Company Limited
January 2015 to October 2015
Handled root-cause analysis and end-to-end resolution of customer complaints involving service issues, mis-selling, and forgery; coordinated with internal departments and managed customer correspondence within turnaround times.
Phone First Executive - Customer Service; re-assigned to Service Manager - Customer Service
Team Lease Services Pvt. Ltd. (deputed at India First Life Insurance Company Ltd.)
November 2012 to January 2015
Verified new business proposal and underwriting documents, reported discrepancies, resolved customer queries related to endorsements, maturity, claims and complaints, supported policy issuance, and maintained operational MIS.
Inside Sales Admin
Aaryan Solutions (deputed at EMC Data Storage Systems (I) Pvt. Ltd.)
November 2010 to October 2012
Analyzed SAP, Salesforce.com and other system databases to create annual maintenance contract quotations for the Asia-Pacific region; processed renewal opportunities, orders, licenses, and system transfers while coordinating with regional teams.
Senior Executive, Branch Operations
Aviva Life Insurance Co. Ltd.
July 2007 to June 2010
Handled branch operations, proposal verification, policy servicing, banking for multiple business channels, MIS reporting, undelivered policy documents, refunds, and customer service coordination.
Senior Executive, Operations - Credit Cards
Apnaloan.com India Pvt. Ltd.
September 2000 to June 2007
Processed credit card applications for multiple banks, performed physical verification and quality checks, maintained policy guidelines and MIS, trained executives, coordinated customer queries, and supported internal and external audits. Received four best-performance cash awards for target completion and online dispatches; team was recognized by HSBC for lowest outright rejects for three consecutive months.
Senior Executive, Operations - Auto Finance Loans
PAL Credit & Capital Ltd. (PAL Group)
December 1996 to September 2000
Managed auto finance proposal entries, contract bookings, pre- and post-disbursement documentation, dealer and hirer follow-ups, contract securitization, insurance claims and renewals, fixed deposit processing, and related reports and vouchers.
Education
Mumbai University
B.Com
1995