Chamandeep Singh Panesar
Underwriter - Loan
Ludhiana
Summary
Regional credit management professional with solid background in credit risk assessment, financial analysis, and portfolio management. Skilled in developing strategies to optimize credit policies and mitigate risks while driving profitability. Strong focus on team collaboration and achieving results, consistently adaptable to changing needs. Known for excellent communication, problem-solving abilities, and commitment to maintaining high standards.
Overview
14
14
years of professional experience
1
1
Language
Work History
Regional Credit Manager
CSL Finance Limitd
10.2025 - Current
- Handling Entire Punjab and Chandigarh.
- LAP 10 to 100 Lacs
- Team Size is 8 Members
Regional Manager
Mahindra Finance
10.2023 - 09.2025
- Business Loans, Machinery Term Loans and Loan against Property. I have Checking his Financial Position and Meeting with customer to understand his business models and funds requirement. It’s my Primary Responsibilities. Team Size is 5 members.
- Loan amount 10 Lacs to 3.00 Crore
- Documented Income
- Sanction Authority is 1.00 Crore in SME Loans.
Area Manager
Ugro Capital Ltd
05.2023 - 09.2023
- Business Loans, Machinery Term Loans and Loan against Property. I have Checking his Financial Position and Meeting with customer to understand his business models and funds requirement. It’s my Primary Responsibilities. Team Size 2 Members
Cluster Manager
AU Small Finance Bank
06.2016 - 05.2023
- In AU Bank I worked Approximate 7 years and at time of Resigned I worked as a Cluster Credit Manager- Secured Business Loan and handling 9 Branches (Bathinda 1 and 2, Mansa, Rampura Phool, Muktsar, Faridkot, Fazilka, Abohar and Malout).
- I have 50 Lacs Approving Authority and 1 Crore PD Authority. Total 7 Credit Managers and 2 PCM are working under me.
- In AUSFB joined as an Assistant Credit Manager in 2016 June. My First promotion as a Portfolio Credit Manager in 2019 and that time I handled 4-5 branches with 25 Lacs Sanction Authority.
- I promoted as a Cluster Credit Manage (Bathinda) from 1 Jan 2022. Handling 20-person credit team with multiple locations.
Credit Manager
HDB Financial Services
06.2015 - 05.2016
- Underwriting PL, AL, LAP cases.
- Sanction Authority 3 Lac and 5 Lacs Make customer point of verification, personal Discussion with customer, Reference verification.
- Cross check property documents at the login stage and co-ordinate with lawyer, evaluator, Provide training to sale team.
- Control on collection and make healthy portfolio.
- Enforcing strict mechanism to effectively comply with TAT (Turn-around time) for approval to disbursement.
- Coordinate with field investigators, advocates, and technical evaluators.
- Coordinate with FCU, FI agency.
Accounts Associate
Mahindra Finance
02.2012 - 05.2015
- Payments & processing of Loan file File & Documentation checking,
- Tele-verifications with Customers Collection follows up.
- Services given to customers & resolve his queries.
- Cash handling
Education
Master - Commerce
Distance Education, LPU
Jalandhar, India09.2013
Bachelor - Commerce
Govt College (PU Chd)
Muktsar, India04.2011
Skills
Underwriting expertise
Timeline
Regional Credit Manager
CSL Finance Limitd
10.2025 - Current
Regional Manager
Mahindra Finance
10.2023 - 09.2025
Area Manager
Ugro Capital Ltd
05.2023 - 09.2023
Cluster Manager
AU Small Finance Bank
06.2016 - 05.2023
Credit Manager
HDB Financial Services
06.2015 - 05.2016
Accounts Associate
Mahindra Finance
02.2012 - 05.2015
Bachelor - Commerce
Govt College (PU Chd)
Master - Commerce
Distance Education, LPU