Summary
Overview
Work History
Education
Skills
Core Management Competencies
Inter Personal Skills
Languages
Awards
References
Hobbies and Interests
Disclaimer
Activities
Personal Information
Timeline
Generic
Ashwani Sharma

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
Ashwani Sharma