Gourav Sharma
Pune,MH
Summary
A enthusiastic professional credit manager having a track record of improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Overview
3
3
years of professional experience
1
1
Certification
Work History
Credit Manager
Bajaj Finserv Ltd
10.2023 - Current
- Reviewing & processing the loan applications of Business & professional loans.
- Processed files of 3Lacs - 75Lacs of which approval authority of 35Lacs, maintained TAT and conducted personal discussion with client.
- Proven track record of reducing credit losses and improving portfolio quality- Strong analytical and problem-solving skills, with expertise in financial analysis, credit modeling, and risk assessment.
- Identified potential risks associated with loan applications and implemented mitigation strategies.
- Built and maintained strong relationships with business clients, understanding their financial needs and goals.
- Underwrite the loan application and analysed KYC documents, CIBIL report, financials statements, ITR and bank statement of the clients by reviewing loan application to understand the creditworthiness of clients.
Financial Analyst
CRISIL-S&P Global
01.2022 - 09.2023
- Working with rating team to prioritize business and information needs.
- Analyzing and classifying financial information.
- Working on different projects for ex.- Ratings, BSE 500, MCA unlisted, economic indicators management.
- Working closely with the company rating team & clients.
- Assisted in the preparation of presentations and report summarizing financial analysis finding.
- Analyze current and past financial data.
Education
PGDM - Finance
Dr D Y Patil B-School
Pune, India04-2022
B.Com - Accounting
MGSU, Bikaner
Sujangarh, India03-2019
Skills
- Credit evaluations
- Investigations
- Policy application
- Underwriting expertise
- Sales proficiency
Certification
Certified of NISM V-A: Mutual fund distributor
Certified in Financials statement
analysis from Acuity Knowledge
partner.
Timeline
Credit Manager
Bajaj Finserv Ltd
10.2023 - Current
Financial Analyst
CRISIL-S&P Global
01.2022 - 09.2023
PGDM - Finance
Dr D Y Patil B-School
B.Com - Accounting
MGSU, Bikaner
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