Bharat Kumar Soni
Gurgaon
Summary
Dynamic Credit and Risk Manager with proven expertise at HDFC Bank, excelling in credit analysis and portfolio management. Successfully managed a diverse portfolio exceeding ₹3000 Cr, delivering actionable insights for risk mitigation. Strong relationship management skills fostered collaboration across teams, ensuring compliance and enhancing financial solutions for clients.
Overview
2026
2026
years of professional experience
Work History
Credit and Risk Manager
HDFC Bank
05.2023 - Current
- Managing a portfolio of more than 3,000 crore covering the automobile industry, textile industry, agriculture industry, infrastructure industry, and other manufacturing sectors.
- Managed credit cases with an average ticket size ranging from ₹50 crores to ₹200 crores, catering to different industries.
- Credit appraisal of corporate and MSME clients who require fund-based, non-fund-based limits, and project finance for greenfield projects.
- Performed stress testing to evaluate resilience under adverse market conditions, and provided actionable insights for risk mitigation.
- Understanding business and its requirements for finance, then performing financial analysis, due diligence, and eligibility of finance to customers as per the bank's credit policy, and making decisions.
- Regularly assessed EWS to proactively detect potential risks, and implement corrective measures..
- Collaborated with legal, technical, and operational teams to streamline loan disbursements and maintain compliance with RBI regulations.
- Monitoring of the portfolio post-disbursement.
- Prepared detailed credit risk reports and recommendations to senior management for decision-making.
Credit Analyst in Supply Chain Finance
IndusInd Bank
08.2021 - 05.2023
- Understanding of Business and its requirements of finance then perform financial analysis, due diligences and eligibility of finance to customer as per Bank ‘s Credit Policy and Programs with Anchors.
- Handled credit cases with an average ticket size ranging from ₹10 crores to ₹80 crores, managing a total portfolio of over ₹300 crores across multiple states like, Rajasthan, Uttar Pradesh and other states of India.
- Credit Appraisal of Corporate and MSME clients who require Channel finance, Vendor Finance and Cash Credit.
- Monitored portfolio performance by reviewing borrower financials, repayment behaviour, and market trends.
- Identified and mitigated risks by analyzing stressed accounts and proposing recovery strategies to ensure portfolio stability.
- Maintained strong relationships with corporate clients by understanding their financing needs and tailoring financial solutions accordingly.
- Regularly conducted portfolio reviews to identify risks, track performance, and maintain the overall health of the portfolio
Bank of Baroda
05.2020 - 01.2021
- Got an opportunity to work on various business loan assignment, where I got an opportunity to learn various business model.
- Carry out detailed account planning of corporate clients in Corporate Finance Services (CFS) Branch.
- Act as a Financial Controller for the said Branch (CFS & IBB)/Unit advising on revenue streams/cost aspects etc.
- Analyze Client’s financial status
- Examine and suggest financial opportunities
- Liaison with clients and provide financial information and advice
- CRM for Large Customers
- Counsel clients on areas of business improvement
- Assess client’s overall financial picture, understand their needs and develop a solid financial plan.
- Analyses mark trends and identify risks and opportunities
Articleship
SK Patodia & Associates
- Nature of Assignments: Internal Audit, Site Inspection and Investigation, Branch Inspection Audit (60 Branches), Branch Inspection Audit (30 Branches), Post Procurement Review under RMSA, Branch Inspection Audit
- Organisation: HG Infra Engineering Ltd, HG Infra Engineering Ltd, Au Small Finance Bank and Au Financiers (India)Ltd, Aavas Financiers Ltd and Au housing Ltd, Ministry of Human Resource Development, Unit Trust of India (Mutual Fund)
- Scope of Work: Review of all the operational process of the company, Review of Statutory Compliances, Review of Financial Statement Preparation Process, Concurrent Vouching for all Expenses, Inspection and Investigation of Store Departments, Accounts Department, HR Department, Cash Management, PDC and NOCs Management, Repossession, Display requirements, Information Securities, Overdue and NPA Management, Cash and Cheque Management, Customer Handling, Regulatory Requirements, Record Retention, Information Securities, Review of Civil Works, Goods and Service Contracts, Physical Verification, Review of operations, Review of KYC Process, Review of Record and Compliances.
Education
Chartered Accountant -
ICAI
11.2019
B.COM -
MGSU
03-2015
Skills
- Credit analysis
- Portfolio management
- Relationship management
- Market analysis
- Project finance
- Analytical thinking
- Team collaboration
Languages
English, Hindi, & Marwari
Hobbies and Interests
Plantation, Stock Market, Travelling and discovering new Places & Cricket
Timeline
Credit and Risk Manager
HDFC Bank
05.2023 - Current
Credit Analyst in Supply Chain Finance
IndusInd Bank
08.2021 - 05.2023
Bank of Baroda
05.2020 - 01.2021
Articleship
SK Patodia & Associates
Chartered Accountant -
ICAI
B.COM -
MGSU
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