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
Risk Management
Credit Risk Assessment
Cash Flow Management
Banking Regulations
Data Analysis
Negotiation
Portfolio Management
Interests
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