DEVERSHI SHUKLA
New Delhi
Summary
Results-driven Finance Professional with over 10 years in rural and urban banking, focusing on MSME, agriculture, commercial vehicle, and priority sector lending. Expertise in key account management, institutional liaisoning, credit appraisal, and digital lending transformation. Committed to enhancing profitability, asset quality, and regulatory compliance while building long-term client and partner relationships.
Overview
12
12
years of professional experience
Work History
Area Sales Manager - MSME & Business Lending
Deutsche Bank
Delhi
08.2025 - Current
- Drove market expansion through strategic partnerships, increasing market reach.
- Managed key corporate and institutional relationships to strengthen business partnerships.
- Led MSME lending operations, enhancing portfolio growth and maintaining asset quality.
- Oversee credit appraisal and risk assessment.
- Ensure regulatory and internal compliance.
Location Manager - Agri & PSL Lending
Kotak Mahindra Bank
Noida
11.2021 - 07.2025
- Managed sourcing and disbursement of agri and MSME loans, ensuring timely access to funding for clients.
- Led MSME, agriculture, and PSL portfolios to align with strategic objectives.
- Controlled NPAs and enhanced recovery performance through proactive risk management.
- Built strong dealer and institutional relationships.
- Led teams across multiple locations to achieve project goals.
Cluster Head - Tractor Loans
IndusInd Bank
Gorakhpur
09.2019 - 10.2021
- Led tractor and farm equipment loan portfolios.
- Managed rural dealer networks to enhance loan distribution and support.
- Handled PSL sourcing and disbursement to ensure timely access to funding.
- Monitored portfolio quality to maintain risk management and compliance standards.
- Guided branch teams.
Territory Manager - Vehicle Loans
HDB Financial Services Ltd.
Haldwani
06.2018 - 08.2019
- Managed vehicle loan portfolios to optimize performance and enhance customer satisfaction.
- Developed dealer and DSA networks to expand market reach and drive loan growth.
- Handled sourcing and disbursement to ensure timely funding and support for dealership operations.
- Ensured credit compliance.
- Improved field productivity.
Territory Manager - Commercial Vehicle Loans
Tata Motors Finance Ltd.
New Delhi
04.2017 - 05.2018
- Expanded corporate client base, increasing market presence.
- Established connections with transporters, fostering stronger partnerships.
- Managed fleet and CV finance portfolios, optimizing asset utilization.
- Improved portfolio health.
- Evaluated credit proposals.
Area Business Manager - Auto Loans
Mahindra & Mahindra Financial Services Ltd.
Jaunpur
07.2014 - 03.2017
- Managed auto loan portfolios to optimize risk and enhance customer service.
- Built dealer networks to expand market reach and improve loan origination.
- Handled sourcing and verification.
- Streamlined collections efforts, resulting in improved recovery rates.
- Optimized inventory management.
Education
PGDM - Financial Services
Jaipuria Institute of Management
Lucknow01.2014
Skills
- MSME lending
- Loan origination
- Credit appraisal
- Digital lending
- Portfolio management
- Dealer development
- Key account management
- Market expansion
- Business strategy
- Salesforce CRM
- Microsoft Office proficiency
- MIS reporting
- Audit processes
- Team leadership
- MIS reporting
Accomplishments
- Achieved 33.08% business growth in disbursements (n47.51 Cr).
- Maintained NPA at 1.18% on n93.23 Cr portfolio.
- Selected for PAN-India retention project.
- Led teams of 30+ members.
Hobbies and Interests
- Singing
- Bike Riding
- Cricket
Personal Information
Date of Birth: 10/28/90
Languages
- Hindi
- English
Languages
English
Intermediate (B1)
B1
Hindi
Upper Intermediate (B2)
B2
Affiliations
Lead Blood Donation Camp with Dr Ram Manohar Lohia Hospital
Timeline
Area Sales Manager - MSME & Business Lending
Deutsche Bank
08.2025 - Current
Location Manager - Agri & PSL Lending
Kotak Mahindra Bank
11.2021 - 07.2025
Cluster Head - Tractor Loans
IndusInd Bank
09.2019 - 10.2021
Territory Manager - Vehicle Loans
HDB Financial Services Ltd.
06.2018 - 08.2019
Territory Manager - Commercial Vehicle Loans
Tata Motors Finance Ltd.
04.2017 - 05.2018
Area Business Manager - Auto Loans
Mahindra & Mahindra Financial Services Ltd.
07.2014 - 03.2017
PGDM - Financial Services
Jaipuria Institute of Management