ANGAD BHARI
Greater Noida
Overview
3
3
Languages
18
18
years of professional experience
Work History
Zonal Credit Manager
HDB Financial Services Ltd.
03.2022 - Current
- Managed 43 branches across Delhi NCR for retail and strategic underwriting.
- Managed credit policy and delivery TAT for commercial vehicle underwriting goals.
- Maintained 2% return on assets by resolving early delinquencies and risks.
- Balanced low and high yield products by analysing new and used business.
- Supported standard underwriting projects and guided research for special applications.
- Led team risk management and financial due diligence through detailed analyses.
- Assigned loans and insurance plans to underwrite against expectations and timelines.
- Built manual ageing reports from base account files and reported weekly.
- Analysed defaulting customers and coordinated corrective actions with management.
- Supported NBFC underwriting for HDFC Bank stakeholders.
- Established central credit hub at Greater Noida for underwriting capacity.
- Managed hiring, training, and productivity for 17 new resources centrally.
- Coordinated expansion across 09 area offices and 45 branches in Haryana.
Cluster Credit Manager
HDB Financial Services Ltd.
04.2014 - 03.2022
- Analysed client records to check lending applications remained financially viable.
- Managed credit risk assessments and ran financial reviews to reduce payment defaults.
- Coordinated with sales and customer service teams to align credit policies.
Area Credit Manager
HDB Financial Services Ltd.
08.2011 - 03.2014
- Engaged with customers to better understand needs and deliver excellent service.
- Resolved customer queries and problems using effective communication and providing step-by-step solutions.
- Trained and mentored employees to maximise team performance.
- Collaborated with team members to achieve target results.
Area Sales Manager
Cholamandalam Investment & Finance Co. Ltd.
04.2010 - 07.2011
- Achieved and surpassed sales targets consistently, contributing significantly to the company's growth and profitability.
- Studied competitors to develop innovative selling strategies.
- Developed and executed strategic sales plans to penetrate new markets and achieve revenue targets.
Deputy Manager
Cholamandalam Investment & Finance Co. Ltd.
01.2009 - 03.2010
Management Trainee
Cholamandalam Investment & Finance Co. Ltd.
Chennai
06.2008 - 12.2008
Education
MBA - Finance
Indian Institute of Finance
New Delhi01-2008
BBA -
Dr. B.R. Ambedkar University
Agra01-2006
Skills
- Credit Underwriting
- Risk Evaluation
- Portfolio Management
- Policy Execution
- Revenue and Cost Management
- Credit Policy Development
- Risk Mitigation
- Collateral management
- Financial Statement Analysis
- Team Building & Leadership
Languages
English
Hindi
Punjabi
Timeline
Zonal Credit Manager
HDB Financial Services Ltd.
03.2022 - Current
Cluster Credit Manager
HDB Financial Services Ltd.
04.2014 - 03.2022
Area Credit Manager
HDB Financial Services Ltd.
08.2011 - 03.2014
Area Sales Manager
Cholamandalam Investment & Finance Co. Ltd.
04.2010 - 07.2011
Deputy Manager
Cholamandalam Investment & Finance Co. Ltd.
01.2009 - 03.2010
Management Trainee
Cholamandalam Investment & Finance Co. Ltd.
06.2008 - 12.2008
MBA - Finance
Indian Institute of Finance
BBA -
Dr. B.R. Ambedkar University