Ashwani Sharma
Jammu
Summary
Nine years of experience in banking with expertise in sales and target achievement in CASA, term deposits, and life insurance. Proven track record in operational roles alongside credit underwriting. Strong ability to drive results and enhance customer satisfaction through effective financial solutions.
Overview
8
8
years of professional experience
Work History
Credit Manager
HDFC Bank
Jammu
07.2022 - 01.2025
- Supervised credit management for Commercial Transport Group in J&K and Punjab.
- Assessed risks by evaluating credit applications, aiding decision-making.
- Monitored customer accounts to ensure payment trends aligned with credit terms.
- Coordinated preparation of audit materials and managed external financial reporting.
- Oversaw financing for commercial vehicles, equipment, and infrastructure projects.
Service Delivery Officer
Kotak Mahindra Bank
Jammu
04.2020 - 07.2022
- Assumed backup role of SDO Authorizer at Kotak Mahindra Bank since April 2020.
- Coordinated with internal teams to resolve client issues efficiently.
- Implemented strategies to improve service delivery and client satisfaction.
- Assisted in establishing new service protocols to enhance operational effectiveness.
Management Trainee
Bandhan Bank Ltd
Jammu
07.2017 - 07.2019
- Executed customer service tasks to maintain efficient daily branch operations.
- Engaged customers to resolve inquiries and deliver product information.
- Coordinated training programs to develop skills of new employees.
- Assumed roles as Teller and Acting Operations Head to ensure operational continuity.
- Served two years as Customer Relationship Officer, strengthening client interactions.
- Joined Bandhan Bank Ltd as Management Trainee in July 2017.
- Collaborated with suppliers to guarantee timely product delivery.
Intern
J&K Bank
Jammu
- Performed thorough evaluation of retail lending products available at J&K Bank, benchmarking against other banks
Intern
Bajaj Electrical Ltd
Jammu
- Bajaj Electricals' customer satisfaction relative to competitors.
Education
MBA - BANKING AND FINANCIAL ENGENERING, MARKETING
Chandigarh University
01.2017
B.B.A -
Jammu University
01.2015
12TH -
JKBOSE
01.2012
10TH -
JKBOSE
01.2010
Skills
- Analytical and problem-solving skills
- Effective communication
- Time management
- Adaptability in teams
- Research proficiency
- Specifications gathering
- Deadline-oriented work
- Independent work capability
- Microsoft Office proficiency
- Tally expertise
- Strong work ethic
- Persuasive communication
- Punctuality
- Positive mindset
- Team leadership
Core Management Competencies
- Analytical and problem solving abilities
- Good communication skills and sportive spirit
- Better time management skills
- Enthusiastic and eager to learn, adaptability to team environment
- Proficient in researching and specifications gathering skills
- Ability to work under deadlines pressure with fast turnarounds
- Ability to work with little or no supervision after initial briefing
Inter Personal Skills
- Hard worker as well as smart worker
- Convincing power
- Punctual
- Positive attitude
- Team Leader
Languages
- Hindi
- Dogri
- English
Awards
- Certificate from ICICI Prudential on Equity Market (Trading) program with 'A' grade.
- First prize at DISPLAY YOUR TALENT in JAMMU UNIVERSITY in one act play in 2013.
- Second prize at DISPLAY YOUR TALENT in JAMMU UNIVERSITY in one act play in 2014.
References
Navneet Singh, ABH BANDHAN BANK, 941986444
Hobbies and Interests
- Cricket
- Billiards
- Theatre events
Disclaimer
I hereby, declare that the information furnished above is true to the best of my knowledge., 11/02/25
Activities
- Theater events like Play, Skit and Mime
- Billiards
- Debates
Personal Information
- Age: 29
- Current CTC: 9.80 Lacs
- Father's Name: Mr Subash Chander Sharma
- Date of Birth: 06/08/95
Timeline
Credit Manager
HDFC Bank
07.2022 - 01.2025
Service Delivery Officer
Kotak Mahindra Bank
04.2020 - 07.2022
Management Trainee
Bandhan Bank Ltd
07.2017 - 07.2019
Intern
J&K Bank
Intern
Bajaj Electrical Ltd
MBA - BANKING AND FINANCIAL ENGENERING, MARKETING
Chandigarh University
B.B.A -
Jammu University
12TH -
JKBOSE
10TH -
JKBOSE