Dipanshu Agarwal
Cluster Head-Credit Underwriting
Ghaziabad
Summary
Interested in challenging opportunities to work with leading organizations of hi-tech environment with committed & dedicated people and to bring a versatile Portfolio of skills at work palace and to serve the organization with the positive attitude and efficiency.
Competent Professional with experience in: Team Leader managing 12 Credit Managers team, Credit Analysis for UBL, MIS Reporting & Documentation, Portfolio Management, Auditing LAP & BIL Files for RBI Audit Purpose, Auditing the financials and Tax audit, Budgeting, Working in GST, SAP Knowledge, IFRS Knowledge
Overview
6
6
years of professional experience
1
1
Language
Work History
Cluster Credit Manager
Piramal Capital and Housing finance Limited
- Handling the Team of 12 Credit Managers, Handling the Pan India portfolio for UBL (Unsecured business loan), Managing the sanction Rate, Delinquency, TAT, Managing the BRE of the new software development and in existing software, Rejection analysis, Portfolio analysis, Pan india Top performer having awarded as Shikhar champion, CBO Challenge winner for managing the North portfolio, Planning & conducting regular CPU level communication meetings & engagement session for socialization of workplace polices and other processes for the Geography, Policy Training and policy formation, Interviewing/Training/Managing attendance, coordination with HR for the credit managers, Preparing MIS and reporting to senior management
Area Credit Manager
ADITYA BIRLA FINANCE LIMITED
02.2022 - 01.2024
- Handled the complete Delhi and Rajasthan and Managing the portfolio for the Micro BIL, Credit Team and worked as the FPR for the location, Handling the Team and working in coordination with the sales and other key stakeholders, Preparing the Presentations on the Portfolio, Various News Topics, NPA Analysis Data, Daily Dashboard, GST Data, company financials, Profitability, CARO,RBI Policies, Handing approx.104 files per month, Apprising and analyzing loan proposals after the Detailed analysis as per the policy, Handling the portfolio and delinquent cases, Industry analysis
Credit Manager
HDFC Bank Ltd
10.2019 - 01.2020
- Accountable for apprising loan proposals by detailed financial & Non-Financial analysis, Working in coordination with Borrower & Sales Team ascertaining credit worthiness of Borrower and ensuring compliances with extant Bank Guidelines & Circulars, Carrying out the critical analysis of Financial statements involving Ratio analysis, Cash flow statements, Accountable for apprising loan proposals for multiple industries including Manufacturing, Retails as well as the service sector, In the service sector appraised the loan proposals for Doctors, CA, Architects
M.T
Indiabulls consumer Finance Ltd
05.2018 - 09.2019
- Accountable for apprising loan proposals by detailed financial & Non-Financial analysis of Proposals, Working in coordination with Borrower & Sales Team ascertaining credit worthiness of Borrower and ensuring compliances with extant NBFC Guidelines & Circulars, Carrying out the critical analysis of Financial statements involving Ratio analysis, Financial worthiness, Maintaining TAT of Fl's/Other relevant credit reports, Handing approx.40-45 files per month, Apprising the case by Giving score to the customer on the basis of score card, Scrutiny of Banking of customer also removing Internal Entries & Non Business Income, Analysis of Repayment Track record of customer and also mapping of same with Banking, Apprising the case only after detailed Personal Discussion (PD) With the Customer, Appraised the case of M-Swipe Product (Small Business Loans), Conducting internal Audit of LAP& BIL Files for RBI Audit Purpose
Education
B.Com -
C.C.S UNIVERSITY-MEERUT
Senior Secondary - undefined
Lala Jagdish Prasad Inter college
Secondary -
Saraswati Vidhya Mandir
CA (FINAL-1st group) - undefined
ICAI
CA (FINAL-2nd group) - undefined
ICAI
CA- IPCC (BOTH GROUPS) - undefined
ICAI
CA-CPT - undefined
ICAI
Skills
Have Proficient knowledge of MS office, Probe21 ,Tally accounting & GST software
Completed Information Technology Training, Orientation program and Management & Communication Skills training conducted by ICAI
Have knowledge of the SAP as Working with the ABFL software (Softcell),HDFC Bank (LOS)
Articleshipexperience
- Tanuj Singhal & Associates, Chartered Accountants, Delhi, 10/15, 09/17, Preparation of Audit Plan and ensuring completion of the same in time, Vouching and verification of crucial expenses, preparation and review of various reconciliation statements like BRS, Stock and various other aspects, Conducted Internal Audit of companies in construction, Manufacturing Industry, Preparing & Finalizing audit reports also Tax Audit of manufacturing and trading organizations under section 44AB of income Tax Act, Checking the Various ledgers Eq cash, Trade Payables, Trade Receivables and Discount also the Credit /Debit Notes
- Rajan Heeralal & Company, Chartered Accountants, Delhi, 10/14, 09/15, Preparation of Audit Plan and ensuring completion of the same in time, Vouching and verification of crucial expenses, preparation and review of various reconciliation statements like BRS, Stock and various other aspects, Conducted Internal Audit of companies in construction, Manufacturing Industry, Preparing & Finalizing audit reports also Tax Audit of manufacturing and trading organizations under section 44AB of income Tax Act, Checking the Various ledgers Eq cash, Trade Payables, Trade Receivables and Discount also the Credit /Debit Notes
Majorclientshandled
- Motherson Auto Ltd.
- Motherson Lease solution ltd
- Systematic conscom ltd
- Motherson Mould & Diecasting Ltd
Financialreporting
- Finalization of Books of Accounts and preparation of Statement of Profit & Loss, Balance Sheet of various Proprietorship concerns, Partnership firms
- Preparation of Projected Financial statements based on evaluation of latest financial statements, historical trends for financing of Loan
Personal Information
- Date of Birth: 12/19/95
- Marital Status: Married
Recognitionandawards
- Awarded as the Young Achiever in the ABFL Annual Udaan Awards
- Awarded Multiple times Udaan award by the National Risk Manager for the best performance
- Got Fraud saver recognition at the PAN India level as the Name in Top 5 Managers
- Awarded as the youngest chartered accountant in the district (MZN)
- Shikhar champion and CBO challenge winner
Extracurricular Activities
Participated in the Annual cricket match & Marathon activity for Employee engagement activity programme Participated in the Weekly news sharing & Presentation Programmes Studied for the IAS Examination where the Financial management and Accounting aspects along with Economics is covered in which Banking ,Non banking institution Norms and the RBI aspects are covered
Disclaimer
I declare that the above-mentioned information is True & Correct to the best of my knowledge.
Timeline
Area Credit Manager
ADITYA BIRLA FINANCE LIMITED
02.2022 - 01.2024
Credit Manager
HDFC Bank Ltd
10.2019 - 01.2020
M.T
Indiabulls consumer Finance Ltd
05.2018 - 09.2019
Cluster Credit Manager
Piramal Capital and Housing finance Limited
B.Com -
C.C.S UNIVERSITY-MEERUT
Senior Secondary - undefined
Lala Jagdish Prasad Inter college
Secondary -
Saraswati Vidhya Mandir
CA (FINAL-1st group) - undefined
ICAI
CA (FINAL-2nd group) - undefined
ICAI
CA- IPCC (BOTH GROUPS) - undefined
ICAI
CA-CPT - undefined
ICAI