ANIRUDH SHARMA
Pune
Summary
Developed comprehensive skills in credit risk assessment and financial management within fast-paced corporate environment. Expertise in analyzing complex financial data and creating strategic solutions for credit management. Seeking to transition into new field where analytical and management skills can drive impactful results.
Overview
8
8
years of professional experience
Work History
Regional Credit Manager
Bajaj Finserv
07.2022 - Current
- Manage a portfolio of credit accounts for Maharashtra and other location (PAN India), totaling 7655 Cr Portfolio for business loan and 18596cr for salaried and for Professional loan 5793cr.
- Lead a team of 34 credit analysts and assist with credit decisions, risk assessment, and overall portfolio performance
- Implementing various automation where manual underwriting checks can be reduced, which will result in improvising the TAT & productivity.
- Develop and implement credit policies and procedures to minimize risk and improve collections.
- Review and assess credit applications for new clients and make recommendations based on financial health, industry trends, and credit history.
- Oversee daily credit operations and ensure compliance with internal and external regulatory requirements.
- Developed excellent working knowledge of industry trends and improvements in processes.
- Created standard operating procedures and delivered training to credit personnel to improve operational efficiency
- Conduct regular credit training sessions for the team to ensure up-to-date knowledge of industry best practices and compliance standards.
- Proactively identified early warning signs of deteriorating account performance through diligent monitoring of key performance indicators.
- Inspected products and services to comply with quality standards
- Explored and created new ways to resolve problems with processes, technology or team members to improve overall efficiency.
- Reviewed accounts for signs of fraud and non-payment issues.
- Managed a diverse loan portfolio while adhering to strict credit quality standards and regulatory guidelines.
Senior Cluster Manager
Bajaj Finserv
07.2021 - 07.2022
- Developed credit risk profiles for clients and suggested appropriate risk mitigation strategies.
- Evaluated and assessed credit applications for SME and MSME, making recommendations for approval or denial.
- Reviewed and analyzed loan procedures.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Worked closely with sales and collections teams to manage customer accounts and resolve disputes.
- Assisted in the training and mentorship of junior analysts.
- Generated regular credit risk reports for management, highlighting potential risks and proposing solutions.
Area Credit Manager
Bajaj Finserv
09.2018 - 12.2020
- Monitored and adjusted credit limits as needed to manage risk exposure effectively.
- Maintaining the approval rate of 35% 40% with business portfolio of 30cr for business loan and professional loan approval rate to be at 80%.
- Analyzed customer financial data to assess creditworthiness and make recommendations for credit limits.
- Collaborated with sales teams to ensure alignment of credit policies and sales strategies.
- Streamlined the application review process, resulting in faster credit decisions for clients.
- Enhanced team productivity by providing regular training sessions on credit management topics.
- Conducted regular audits of client accounts to detect any discrepancies or signs of fraud early on, minimizing potential risks associated with defaulting customers.
- Improved credit approval rates by implementing comprehensive risk assessment process.
- Managed diverse portfolio of clients, maintaining low delinquency rates through proactive account management.
- Maintained up-to-date knowledge of industry trends and regulatory changes, ensuring compliance with all applicable laws and regulations.
- Managed a high-performing team of credit professionals, fostering a culture of continuous improvement and providing guidance on career development opportunities.
- Monitored accounts for signs of fraud and non-payment issues.
Intern
Swastika Investmart
05.2017 - 06.2017
- Awarded 'Best Intern' 2017-05-13
Education
Master of Business Administration - Financial Administration
Institute of Management Studies, DAVV
Indore, MP01.2018
Bachelor of Business Administration -
School of Commerce, DAVV
Indore01.2016
Skills
- Communication skills
- Problem-solving
- Portfolio management
- Leadership
- Risk mitigation strategies
- Data analysis tools like JIRA and Tableau
- Basic of SQL
- Microsoft Office tools
- Management and management methodologies like Agile
Accomplishments
- Awarded 'Extra miles', 12/12/19, Bajaj Finserv Direct limited
- Awarded 'One of kind Award', 01/10/21, Bajaj Finserv Direct limited
- Awarded 'Best Intern', 05/13/17, Swastika Investmart
- Milestone Award, 2023-24, Bajaj Finance limited
Timeline
Regional Credit Manager
Bajaj Finserv
07.2022 - Current
Senior Cluster Manager
Bajaj Finserv
07.2021 - 07.2022
Area Credit Manager
Bajaj Finserv
09.2018 - 12.2020
Intern
Swastika Investmart
05.2017 - 06.2017
Master of Business Administration - Financial Administration
Institute of Management Studies, DAVV
Bachelor of Business Administration -
School of Commerce, DAVV
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