Hi, I’m
Gaurav Sharma
Credit Professional
New Delhi
Summary
Capable Corporate Banker adept at identifying and matching customers with products and services by conducting interviews and discussing financial needs. Expertise in Relationship Management and Lending.Bringing 4 -year background managing credit files, analyzing and processing credit applications and monitoring credit portfolios. Comfortable working in team-setting and using logical approaches to find best solutions to complex problems.
Overview
7
years of professional experience
5
Certificates
4
Years of credit experience
Work History
State Bank of IndiaNew Delhi
Relationship Manager - SME
07.2021 - Current
Job overview
- Generated new business and referral clients in partnership with financial advisors and branch team.
- Monitored and achieved positive Growth in credit portfolio of 180 Crores with Nil NPA's.
- Processed end to end credit proposal for Partnerships, Limited Companies and Group Companies for Working Capital finds, Project Finance and Export Credit.
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
- Built and maintained corporate image, brand and identity.
- Presented product and service details at various events to increase customer base.
State Bank of IndiaNanded
Credit Officer - Retail and SME
07.2018 - 06.2021
Job overview
- Achieved positive growth across Retail loan and SME portfolio with ancillary products like Investments and Insurance.
- Improved asset quality and hygiene with recovery in bad assets and overall reduction in NPA's by over 50 percent.
- Boosted market share of branch by marketing and liaison with local businessmen and dealers, also received award for best credit officer in terms of portfolio growth.
- Recommended and sanctioned Loan proposals. These include Auto, Education, Personal, Home, Small and Medium Businesses.
State Bank of IndiaMumbai
Customer Relationship Officer
11.2015 - 06.2018
Job overview
- Created customer awareness of alternative banking channels, such as digital capabilities, atm, online and mobile banking.
- Established, retained, and deepened relationships with customers to achieve sales goals and provide quality customer service lead and prepare activities of sales and product knowledge while addressing business needs
- Cultivated and managed new and existing client relationships of high net worth and influence.
- Maintained highest level of customer service standards while consistently delighting our customers and exceeding expectations.
Education
Kirorimal College - Delhi UniversityNew Delhi
B Sc Honors from Physics
04.2011 - 03.2015
University Overview
- Member of Editorial Board of the College
Hilton's SchoolDehradun
High School Diploma
04.2010 - 03.2011
University Overview
- Completed Xth from ICSE Board with 94.2 Percent overall
- Completed XIIth from ISCE Board with 92.5 Percent overall
- Elected Activity Prefect in the year 2014
- Elected Head Boy of the School in the year 2015
- Elected Student of the Year for 2015
Skills
Strategic and financial planning
Relationship building and management
Credit risk and decisions
Lending regulations
Commercial and consumer clients
Financial statements assessment
Certification
Junior Associate of Indian Institute of Banking
Test Scores
GMAT Test Score : 700
Year 2019
Test Scores
GMAT Test Score : 700
Year 2019