Summary
Overview
Work History
Education
Skills
Personal Information
PERSONAL DOSSIER
Languages
Accomplishments
SUMMER INTERNSHIP SCHEDULE
KNOWLEDGE PURVIEW
Timeline
Work Preference
Generic

HARSH T. DHANANI

Surat

Summary

Results-driven Senior Credit Manager with extensive experience in credit underwriting and portfolio management, specializing in mid-corporate wholesale banking. Achieved zero NPA while enhancing client relationships and optimizing processes. Proficient in regulatory compliance, financial analysis, and risk assessment, delivering customized financial solutions that improve service efficiency and client satisfaction.

Overview

1
1
Certification
14
14
years of professional experience

Work History

Senior Credit Manager

HDFC Bank Limited
Surat
08.2022 - Current
  • Managed a portfolio of Rs. 4500 crore, focusing on mid-corporate customers with turnover between Rs. 45 crore and Rs. 250 crore.
  • Maintained overall book health with zero NPA and divergence, ensuring compliance with RBI regulations.
  • Oversaw credit underwriting for SME clients, including mortgage loans and working capital financing.
  • Conducted thorough analysis for renewal notes and CMA, facilitating timely case underwriting.
  • Streamlined service request processes for limit enhancements, significantly reducing customer wait times.
  • Cultivated relationships with mid-cap corporate finance teams, identifying and fulfilling banking needs.
  • Prepared comprehensive client notes and presented findings to the sanctioning committee for timely approvals.

Asst. Manager

The Federal Bank Limited
Pune
04.2012 - Current
  • Handled a portfolio of loans and advances, mainly focusing on SME finance, mortgage loans, and working capital loans.
  • Ensured superior customer service through reduced wait times and timely processing of service requests.
  • Managed audit compliance, NPA recovery, and credit risk to mitigate financial risks effectively.
  • Processed, sanctioned, and disbursed credit proposals, maintaining day-to-day operational activities of the branch.
  • Maintained and managed funds across multiple banks to optimize liquidity and operational efficiency.
  • Facilitated team meetings to improve collaboration and streamline processes, enhancing overall service satisfaction.

Credit Analyst

Axis Bank Limited
Pune
01.2020 - 07.2022
  • Managed credit facilities for customers with turnover between Rs. 75 crore and Rs. 250 crore, focusing on SME finance.
  • Prepared renewal notes and CMA, presenting cases to the committee for timely completion of working capital finance renewals.
  • Conducted audits and site visits to understand business models and ensure compliance with financial practices.
  • Advised clients on currency hedging strategies and prepared sanction letters for loan renewals.
  • Coordinated with clients to gather necessary documentation for loan processing, enhancing operational efficiency.

Portfolio Risk Manager

Yes Bank Limited
Pune
05.2019 - 12.2019
  • Managed a portfolio of SME clients, ensuring superior customer service by reducing wait times.
  • Built and maintained relationships with mid-cap corporate finance teams to identify banking requirements.
  • Handled post-disbursement activities and ensured compliance with loan agreements.
  • Prepared renewal notes and CMA, presenting cases to the committee for working capital finance renewals.
  • Coordinated with clients for document requirements and conducted various types of audits.

Risk Manager

Yes Bank Limited
Nagpur
12.2016 - 04.2019
  • Managed post-disbursement activities, ensuring compliance with regulations and enhancing operational efficiency.
  • Tracked and ensured compliance with sanction conditions before disbursing any facility.
  • Handled audits to ensure adherence to regulatory standards and maintained monthly MIS for top management.

Portfolio Manager

The IndusInd Bank Limited
Pune
09.2015 - 12.2016
  • Managed a portfolio of SME clients with a focus on SME finance and working capital loans.
  • Advised clients on currency hedging options and facilitated informed decision-making for loan renewals.
  • Coordinated with clients and back-end teams to ensure compliance with all sanctioned terms and conditions.

Education

Masters in Business Administration - Financial Markets

ITM
Navi Mumbai
01-2012

Bachelor of Commerce -

Symbiosis College of Arts & Commerce, Pune University
Pune
01-2009

Higher Secondary -

Symbiosis Junior College, Maharashtra State Board
Pune
01-2006

Matriculation -

Denobili C.M.R.I, ICSE
Dhanbad, Jharkhand
01-2004

Skills

  • Credit underwriting
  • Regulatory compliance
  • Risk assessment
  • Client relationship management
  • Customized financial solutions
  • Portfolio management
  • Credit risk management
  • Financial analysis
  • Service efficiency improvement

    • Personal Information

    • Date of Birth: 1987-10-26
    • Nationality: Indian
    • Driving License: MH14 20060026333
    • Marital Status: Married
    • ID Type: Passport
    • ID Number: J 5622368

    PERSONAL DOSSIER

    Linguistic Abilities. : English, Hindi & Gujarati

    Languages

    Linguistic Abilities. : English, Hindi & Gujarati

    Accomplishments

    • Responsible for setting up two new branches and sourcing new business in two different areas in Gujarat and Maharashtra.
    • Certificate of appreciation received from the Regional Head and Zonal Head for outstanding performance in several Third Party Products.
    • Certificate of appreciation received from the IBD (International Banking Department) Head for canvassing business from inactive NRI clients.
    • During IndusInd Bank, appreciation was received from the Zonal Head for successfully achieving the targets and maintaining the asset back with no divergence.
    • During Yes Bank, responsible for setting up the credit operations function at the Nagpur location and leading the team for a brief tenure. Played a significant role in the implementation of CLOS (Centralized Loan Operating System) in the SME Department and Centralized Vendor Management System.
    • During Axis Bank, supported the digital transformation by providing constructive feedback and inputs to successfully implement the end-to-end Loan Processing System for the Commercial Banking Group.

    SUMMER INTERNSHIP SCHEDULE

    • Title : Capital Budgeting of SAIL
    • Organisation : Steel Authority of India Ltd.
    • Duration : 45 days
    • Synopsis : The project dealt with analysing the details of Capital Budgeting tools and techniques.
    • Key Learning : Implemented various aspects of capital budgeting tools and techniques and its practical implications in annual budgeting of Research & Development Centre of SAIL, Ranchi.

    KNOWLEDGE PURVIEW

    • Advanced Wealth Management.
    • Retail and SME Loans and Advances
    • Credit Risk Management.
    • Foreign Exchange.

    Timeline

    Senior Credit Manager

    HDFC Bank Limited
    08.2022 - Current

    Credit Analyst

    Axis Bank Limited
    01.2020 - 07.2022

    Portfolio Risk Manager

    Yes Bank Limited
    05.2019 - 12.2019

    Risk Manager

    Yes Bank Limited
    12.2016 - 04.2019

    Portfolio Manager

    The IndusInd Bank Limited
    09.2015 - 12.2016

    Asst. Manager

    The Federal Bank Limited
    04.2012 - Current

    Masters in Business Administration - Financial Markets

    ITM

    Bachelor of Commerce -

    Symbiosis College of Arts & Commerce, Pune University

    Higher Secondary -

    Symbiosis Junior College, Maharashtra State Board

    Matriculation -

    Denobili C.M.R.I, ICSE

    Work Preference

    Desired Job Title

    Senior Credit AnalystArea Credit ManagerCluster Sales ManagerArea Sales Manager

    Work Type

    Full Time

    Location Preference

    HybridOn-Site
    Open to relocation: Yes

    Important To Me

    Work-life balanceCompany CultureCareer advancementFlexible work hoursWork from home optionHealthcare benefitsTeam Building / Company RetreatsPaid sick leaveStock Options / Equity / Profit Sharing

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