Gopal Sharma
Karnal
Summary
Corporate Lending professional with 13+ years of experience, managing ₹2000+ Cr cumulative exposure across SME and Mid Corporate. Experienced in structured financing, Mortgage, working capital financing, credit underwriting.
Overview
13
13
years of professional experience
Work History
Location Credit Manager
Kotak Mahinda Bank Ltd
Karnal, India
2025.06 - Current
- Managed Haryana and UK states coverage with credit management support daily.
- Led a team of 5 credit managers to meet credit controls.
- Approved high-ticket SME and mortgage proposals as final decision maker.
Cluster Credit Manager
AU Small Finance Bank Ltd
Karnal, India
2021.10 - 2025.05
- Led a team of credit analysts, providing training and guidance to enhance performance and productivity.
- Issued approvals within authorised limits and escalated large-value applications to senior staff for review.
Credit Manager
HDFC Bank Ltd
Yamuna Nagar, India
2021.06 - 2021.10
- Managed credit risk assessments and conducted financial analyses to minimise defaults on payments.
- Reviewed new credit requests, verifying eligibility and capability to understand credit position of clients.
Credit Manager
Kotak Mahindra Bank Ltd
Meerut, India
2016.11 - 2021.06
- Reviewed new credit requests, verifying eligibility and capability to understand credit position of clients.
Credit Relationship Manager
ICICI Bank Ltd
Haridwar, India
2013.05 - 2016.11
- Achieved consistent monthly disbursement targets through disciplined tracking and timely execution.
- Played key role in activating sourcing locations and mapping regional markets.
Education
Diploma of Higher Education - Banking and Finance
Manipal Academy of Higher Education
Manipal, IN-KA2013
Bachelor of Science - B. Tech
Uttar Pradesh Technical University
Lucknow, IN-UP2011
Skills
- Credit risk management
- Credit analysis techniques
- Credit scoring
- Financial forecasting
- Customer relationship management
- Data analysis
- Problem solving
- Team leadership
- Compliance management
- Loan documentation
- Credit decisions expertise
- Portfolio Management
- Credit risk assessments
- Financial analysis
- Loan underwriting techniques
- Credit terms and conditions
- Credit analysis
- Risk analysis techniques
- Credit limit management
- Regulatory compliance
- Banking system familiarity
- Customer credit checks
- Risk evaluations
- Credit exposure monitoring
- Research and analysis
- Decisive judgement
- Anti-Money laundering regulations
Core Skills
- Structured Finance, Mortgage & Working Capital
- Covenant Monitoring & Annual Reviews
- Risk Mitigation & NPA Resolution
- Trade Finance
- Regulatory & Compliance Adherence
Timeline
Location Credit Manager
Kotak Mahinda Bank Ltd
2025.06 - Current
Cluster Credit Manager
AU Small Finance Bank Ltd
2021.10 - 2025.05
Credit Manager
HDFC Bank Ltd
2021.06 - 2021.10
Credit Manager
Kotak Mahindra Bank Ltd
2016.11 - 2021.06
Credit Relationship Manager
ICICI Bank Ltd
2013.05 - 2016.11
Diploma of Higher Education - Banking and Finance
Manipal Academy of Higher Education
Bachelor of Science - B. Tech
Uttar Pradesh Technical University