Gaurav Sharma
Credit & Risk Professional
Delhi/NCR
Summary
Experienced risk professional with 13+ years of experience in the retail category. Proven success in leadership, operational excellence and organizational development with keen understanding of elements of lending business. Recognized for inspiring management team members to excel and encouraging creative work environments with expertise in underwriting and risk management, data analysis, effective & analytical decisions.
Overview
13
13
years of professional experience
10
10
Years of post graduation experience
Work History
VP - Credit & Risk MSME
DMI Finance Pvt. Ltd.
New Delhi
03.2022 - Current
- Devising the strategy of onward lending to various markets by assessing the local economic activities
- Designing of policy framework for credit dispensation and underwriting of large ticket proposals along with small retail loans
- Designing end-to-end digital processes based on AI & ML models, well versed with scorecard building and execution
- Portfolio Quality Management, tracking of portfolio movement, identification of risk at segment level basis severity of risk
- Regular computation of lagged & coincidental delinquency trend
- Preparation of lifetime loss tables to understand the aging of book
- Management of stakeholders and partners for quality book building
- Manage P&L responsibilities for the business and mitigate credit cost & NPA.
AVP Credit
Blue Jay Finlease Limited
New Delhi
06.2018 - 03.2022
- Underwriting & appraisal of secured and secured business loans, TAT adherence, financial analysis basis ratios and cash flows
- Policy formulation and implementation, designing programs to test new segments, responsible for minimizing fraud risks by constantly evaluating process gaps and improvising risk policy, developing new products by analyzing the growth in pipeline, reviewing existing policies and deploying the changes in scorecard and credit model
- Team management & training new team members
- Managing credit & portfolio risk by reviewing delinquency to reduce the risk of default
- Cost benefit analysis of each team member and managing the P&L for cost center.
Credit Manager
India Infoline Finance Limited
Gurgaon
02.2018 - 06.2018
- Credit Appraisal of SME loans, machine loans, referring to performance history along with ratios to assess creditworthiness in evaluation
- Interacting with Customers & understand the business and regularly monitor delinquencies / infants decision making within defined TAT
- Managing team and training executives for the process developments, developed new process flow for smooth file movement
- Coordinating with sales, operations, legal, technical and customer service
- Started a knowledge portal for the credit team for process FAQ and queries.
Senior Manager Credit
Blue Jay Finlease Limited-Ziploan
New Delhi
11.2017 - 02.2018
- Task assignment by right distribution of load between credit managers, credit underwriting and appraisal of business loans
- Review PD(Client Discussion Meeting) & deferrals every month, policy recommendations based on PD data analysis and other market changes
- Managing CPA and PD managers, training team members for policy updates, monitoring the PD process and deploying changes as per policy, TAT adherence.
Branch Credit Manager
Intec Capital Limited
New Delhi
11.2016 - 04.2017
- Appraisal & underwriting of business loans, machine loans and loans against property
- Managing the entire credit application process right from login to disbursement, co-ordinate with legal, technical, FI and Risk containment agencies for processing the file, managing post disbursement documents and partly disbursed cases
- Managing quality of portfolio of branch
- Managing and training CPA team.
Assistant Manager
Unified Credit Solutions Private Limited
Gurgaon
10.2015 - 11.2016
- Quality check and audit of files for reviewing the errors, sharing the quality feed to management for policy review
- Managing the Dubai team for preparing the business information reports, training teams on the quality check, developed process relating to the physical visit to review the business
- Doing research for finding the various sources of business information data
- Underwriting of the invoices (bill discounting & invoice funding).
Analyst, SME Credit
Wipro Limited
New Delhi
08.2014 - 10.2015
- Analyzing the financial statements, preparing the credit memo for overseas clients (North American, Canadian and European Companies)
- Developing the adjusted financials for Bloomberg analysis tool, doing research on various tools like Bloomberg, google and other tools for gathering the information for analysis, developing models for financial analysis and assigning credit limits.
Accounts Assistant
JMD Polymers
Gurgaon
06.2010 - 07.2011
- Data entry for financial data in tally, preparing the financial statements, invoice generation, passing ledger entries, reconciliation of bank accounts and vendor accounts
- Assisting in audit process, finalization of the books of accounts
- Managing the Petty Cash and bank accounts.
Articled Assistant
JSVP & Co
Faridabad
10.2007 - 03.2010
- Assisting the taxation of the clients, doing audits, managing the TDS and company filing, handling the accounts of the clients, reviewing the loan proposals and forecasting financial statements.
Education
MBA - undefined
Indian Institute Of Finance
04.2012 - 05.2014
Bachelor of Commerce - undefined
Delhi University
04.2007 - 05.2010
PCC (CA Inter) - undefined
Institute Of Chartered Accountants Of India
04.2007 - 05.2010
Skills
Problem-solving
Timeline
VP - Credit & Risk MSME
DMI Finance Pvt. Ltd.
03.2022 - Current
AVP Credit
Blue Jay Finlease Limited
06.2018 - 03.2022
Credit Manager
India Infoline Finance Limited
02.2018 - 06.2018
Senior Manager Credit
Blue Jay Finlease Limited-Ziploan
11.2017 - 02.2018
Branch Credit Manager
Intec Capital Limited
11.2016 - 04.2017
Assistant Manager
Unified Credit Solutions Private Limited
10.2015 - 11.2016
Analyst, SME Credit
Wipro Limited
08.2014 - 10.2015
MBA - undefined
Indian Institute Of Finance
04.2012 - 05.2014
Accounts Assistant
JMD Polymers
06.2010 - 07.2011
Articled Assistant
JSVP & Co
10.2007 - 03.2010
Bachelor of Commerce - undefined
Delhi University
04.2007 - 05.2010
PCC (CA Inter) - undefined
Institute Of Chartered Accountants Of India
04.2007 - 05.2010
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