Abhishek Sharma
Cluster Credit Manager
Indore
Summary
As a highly experienced Cluster Credit Manager with over 08 years of experience in the banking industry, I have a proven track record of successfully managing credit portfolios and driving business growth. My biggest achievements include implementing effective credit risk management strategies that have resulted in a significant reduction of non-performing loans and an increase in loan approvals. With strong analytical skills and attention to detail, I have also been able to identify potential credit risks and mitigate them proactively. My excellent leadership skills and ability to collaborate with cross-functional teams have been crucial in achieving these results. With expertise in credit evaluation, risk assessment, and credit policy development, I am confident in my ability to drive success as a Cluster Credit Manager.
Overview
10
10
years of professional experience
5
5
years of post-secondary education
2
2
Languages
Work History
Cluster Head Credit
Aye finance pvt ltd
06.2024 - Current
- As the Cluster Head Credit at Aye finance pvt ltd, I was responsible for overseeing credit operations and managing a team of credit officers to ensure timely and accurate loan disbursals.
- I also played a key role in developing and implementing credit policies and procedures to mitigate risk and improve efficiency.
- Managed credit operations and team of officers
- Developed and implemented credit policies
- Ensured timely and accurate loan disbursals
- Improved efficiency and mitigated risk
Cluster Credit Manager
Laxmi india finance pvt ltd
03.2022 - 06.2024
- As a Cluster Credit Manager at Laxmi India Finance Pvt Ltd, I was responsible for overseeing the credit operations of multiple branches within a designated cluster.
- During my time in this role from March 2022 to June 2024, I successfully managed a team of credit analysts and ensured timely and accurate credit decisions for our clients.
- Led a team of credit analysts
- Managed credit operations for multiple branches
- Ensured timely and accurate credit decisions
- Collaborated with sales teams to drive business growth
- Developed and implemented credit policies and procedures
- Conducted regular portfolio reviews and risk assessments
- Established strong relationships with clients and branch team
Branch Credit Manager
Supreme Housing Finance pvt ltd
09.2021 - 03.2022
- As the Branch Credit Manager at Supreme Housing Finance Pvt Ltd, I was responsible for overseeing all credit-related operations at the branch level.
- This included assessing creditworthiness, managing loan disbursements, and ensuring compliance with company policies and procedures.
- I also worked closely with the sales team to develop strategies to increase loan portfolios and maintain a profitable portfolio.
- Assess creditworthiness of loan applicants
- Manage loan disbursements
- Ensure compliance with company policies
- Collaborate with sales team to increase loan portfolios
Deputy Credit Manager
AU small finance Bank
11.2018 - 09.2021
- As a Deputy Credit Manager at AU small finance Bank in India from November 2018 to September 2021, I played a crucial role in managing the credit operations of the bank.
- I was responsible for analyzing credit risks and making informed decisions to ensure the bank's portfolio remained healthy and profitable.
- Oversaw credit operations for multiple branches.
- Conducted credit appraisals and risk assessment.
- Implemented strategies to mitigate credit risks.
- Managed a team of credit analysts and officers.
- Ensured compliance with regulatory guidelines.
- Maintained strong relationships with clients and stakeholders.
- Improved loan approval turnaround time by X%.
- Reduced non-performing assets by X% through effective risk management.
Assistant Risk Manager
Fullerton India credit co.ltd
08.2017 - 11.2018
- As an Assistant Risk Manager at Fullerton India credit co.ltd, I gained valuable experience in identifying and managing potential risks in the financial sector.
- During my tenure from 2017-18 I collaborated with a team of risk analysts to develop strategies and procedures to mitigate risks and ensure compliance with industry regulations.
- Created risk management plans
- Conducted risk assessments and audits
- Analyzed data to identify potential risks
- Assisted in implementing risk management strategies
HR assistant
Fullerton India credit co.ltd
03.2015 - 05.2015
Education
Master of Business Administration - finance specialization
Devi Ahilya University of Indore
Indore 07.2014 - 05.2016
Bachelor of Business Administration - finance specialization
Devi Ahilya University of Indore
Indore 07.2010 - 05.2013
Skills
Credit Analysis
undefinedInterests
Traveling
Bike riding
Timeline
Cluster Head Credit
Aye finance pvt ltd
06.2024 - Current
Cluster Credit Manager
Laxmi india finance pvt ltd
03.2022 - 06.2024
Branch Credit Manager
Supreme Housing Finance pvt ltd
09.2021 - 03.2022
Deputy Credit Manager
AU small finance Bank
11.2018 - 09.2021
Assistant Risk Manager
Fullerton India credit co.ltd
08.2017 - 11.2018
HR assistant
Fullerton India credit co.ltd
03.2015 - 05.2015
Master of Business Administration - finance specialization
Devi Ahilya University of Indore
07.2014 - 05.2016
Bachelor of Business Administration - finance specialization
Devi Ahilya University of Indore
07.2010 - 05.2013
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