Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
Generic

Anuja Sharma

Surat

Summary

Detail - oriented and meticulous Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering more than 14 years of financial industry expertise.

Utilizes strategic planning to streamline credit processes and enhance performance. Track record of implementing effective credit policies that drive company growth and maintain compliance.

Gold medalist in MBA Finance with vast experience in banking and finance . Ready to tackle new challenges in position within Financial Industry where talents in Analysis will be valuable.

Overview

15
15
years of professional experience
1
1
Certification

Work History

Credit Manager

Bank of Baroda
05.2013 - 10.2023
  • Accelerated growth of branch's credit portfolio by 40% by especially tapping MSME segment.
  • Investigated and evaluated customers for creditworthiness and potential risk factors through Credit Risk Ratings.
  • Originated, reviewed, processed, closed and administered Secured and unsecured loan proposals.
  • Led team of 6 staff.
  • Surged branch's business mix by 25% by administering gold loans. Also, worked cross-functionally with sales, management and other departments to maintain effective operations.
  • Monitored accounts for signs of fraud and non-payment issues.
  • Examined and reviewed credit accounts on annual and semi annual basis.
  • Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
  • Ensured timely resolution of disputed accounts, working closely with internal and external stakeholders to maintain positive customer relationships.
  • Consistently achieved monthly collection targets by prioritizing accounts based on risk level and potential impact on cash flow.

Senior Executive

SBMG and Co.
11.2009 - 04.2012
  • Developed approximately 20 digital signatures per day.
  • Developed and implemented new strategies and policies in collaboration with executive partners to establish and achieve long-term business objectives, providing company with strong and sustainable organizational leadership.
  • Reduced personnel costs by restructuring the management hierarchy to eliminate redundancies and promote cross-functional collaboration.

Research Analyst

N J India Invest Pvt Ltd
05.2008 - 10.2009
  • Analyzed and handled Mutual Fund portfolios of HNI clients.
  • Conducted in-depth qualitative and quantitative research to identify trends and generate insights for Mutual Funds.
  • Gathered, arranged and corrected research data to create representative graphs and charts highlighting results for presentations.

Education

MBA - Finance (Gold Medalist)

S. R. Luthra Institute
Surat
04.2008

Bachelor of Science - Chemistry (Scholar)

P. T. Science College
Surat
04.2006

Skills

  • Expertise in Credit evaluation
  • Financial Risk Analysis
  • Credit Risk Rating
  • Collateral Evaluation
  • Proactive and Focused
  • Customer Service
  • Judgment and Decision-Making
  • Proficient in English and Hindi
  • Team Management

Certification

CAIIB certified by IIFB

JAIIB certified by IIFB


Languages

English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Gujarati
Elementary (A2)
Punjabi
Elementary (A2)

Timeline

Credit Manager

Bank of Baroda
05.2013 - 10.2023

Senior Executive

SBMG and Co.
11.2009 - 04.2012

Research Analyst

N J India Invest Pvt Ltd
05.2008 - 10.2009

MBA - Finance (Gold Medalist)

S. R. Luthra Institute

Bachelor of Science - Chemistry (Scholar)

P. T. Science College

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Anuja Sharma