Gourav Chawla
Sri Ganganagar
Summary
Chartered Accountant with 9+ years of experience in SEG, SME, and Corporate Banking, specializing in credit appraisal, risk management, portfolio monitoring, and business growth. Proven ability to lead large geographies, manage high-value portfolios, and drive sustainable revenue while ensuring strict regulatory and policy compliance. Currently serving as Center Head – SEG.
Overview
12
12
years of professional experience
Work History
Center Head – SEG (CBG)
Axis Bank Ltd
Sri Ganganagar
11.2024 - Current
- Led SEG business operations across Sri Ganganagar to Sikar, focusing on strategic growth.
- Drove SME loan growth across working capital, trade finance, project finance, and term loans, enhancing overall portfolio performance.
- Leading Relationship Manager teams to achieve revenue, profitability and portfolio quality targets.
- Overseeing credit appraisal, risk assessment and approval notes for SME proposals.
- Ensuring compliance with sanction conditions, internal credit policies and regulatory guidelines.
- Strengthening customer relationships by providing customized financial solutions.
- Monitored portfolio performance to safeguard bank interests and ensure operational excellence, contributing to long-term client retention.
- Tracked market intelligence, competitor offerings, and industry trends to identify new opportunities, supporting strategic business development initiatives.
Senior Credit Manager – SEG (CBG)
Axis Bank Ltd
09.2021 - 10.2024
- Managed SEG credit portfolio of ₹1,500+ Cr across 700+ SME/Mid-Corporate clients.
- Credit underwriting for clients with turnover up to ₹700 Cr and ticket size up to ₹50 Cr.
- Handled diverse products including CC/OD, term loans, LAP, trade finance, and project finance.
- Sanctioning authority up to ₹3.50 Cr (NTB) and ₹10 Cr (Renewals).
- Identified early warning signals and resolved stressed accounts using targeted strategies.
- Contributed to process improvements and updated policies to enhance portfolio risk controls.
Credit Manager – Working Capital
HDFC Bank Ltd
Sri Ganganagar
11.2018 - 09.2021
- Managed working capital portfolio of 500+ SME clients (average ticket size ₹5 Cr).
- Appraised fund-based and non-fund-based limits, including CC, OD, BG, TL, and EPC, to align client financing with risk profiles.
- Conducted financial analysis and risk evaluations through business visits to assess client viability and inform lending decisions.
- Monitored portfolio quality and supported recoveries while ensuring compliance with audit standards.
Credit Manager – Corporate Loans
Indiabulls Housing Finance Ltd
Gurgaon
03.2017 - 11.2018
- Evaluated corporate credit proposals ranging from ₹50 Cr to ₹500 Cr.
- Managed Construction Finance, LAP, and Lease Rental Discounting facilities, ensuring alignment with credit policies.
- Performed detailed financial, technical, and legal analyses to assess risk and inform decision-making.
- Coordinated comprehensive credit processing, documentation, and compliance to streamline approval workflows.
- Key Achievement: Managed a ₹5,000 Cr portfolio; independently handled structured deals up to ₹350 Cr.
Article Assistant
Prem Garg & Associates
Chandigarh
11.2013 - 10.2016
- Finalized accounts and conducted statutory and tax audits to ensure compliance.
- Managed income tax, service tax, and TDS compliance and filings to meet regulatory requirements.
- Assisted in bank and tax audits under Section 44AB, contributing to accurate financial reporting.
Education
Chartered Accountant (ACA) -
Institute of Chartered Accountants of India
The Institute Of Chartered Accountants Of India01.2016
Bachelor of Commerce -
MGSU
Bikaner01.2013
Skills
- SME and corporate credit appraisal
- Business growth and profitability
- Credit risk and portfolio management
- Regulatory compliance and policy adherence
- Team leadership and stakeholder engagement
- Client relationship and market development
Accomplishments
- Independently handled structured credit proposals up to ₹350 Cr.
- Managed and monitored portfolios exceeding ₹5,000 Cr.
- Successfully drove SME loan growth across multiple geographies.
Personal Information
- Date of Birth: 05/24/93
- Nationality: Indian
Languages
- Hindi
- Punjabi
- English
- Hindi
Timeline
Center Head – SEG (CBG)
Axis Bank Ltd
11.2024 - Current
Senior Credit Manager – SEG (CBG)
Axis Bank Ltd
09.2021 - 10.2024
Credit Manager – Working Capital
HDFC Bank Ltd
11.2018 - 09.2021
Credit Manager – Corporate Loans
Indiabulls Housing Finance Ltd
03.2017 - 11.2018
Article Assistant
Prem Garg & Associates
11.2013 - 10.2016
Chartered Accountant (ACA) -
Institute of Chartered Accountants of India
Bachelor of Commerce -
MGSU