Harshvardhan Sen
Ajmer
Summary
Skilled And Experience Credit Manager with deep understanding of credit risk management and portfolio strategy. Notable in leveraging technical skills to streamline processes, enhance productivity, and improve operational efficiency. Strong analytical skills applied in previous role to ensure financial stability and mitigate risks for the business. Known for fostering team collaboration, improving customer relationships, and making impactful contributions to overall business growth.
Overview
13
13
years of professional experience
Work History
Senior Credit Manager
HDFC BANK LTD
Ajmer
04.2025 - Current
- Handling Proposals of Commercial and Transport Group that include CV Loans, CE Loans, Infra Equipment Loans, Healthcare Finance, Working Capital Limit of these, CGTMSE Proposal regarding above upto 5 crores
- Oversaw credit analysis and risk assessment processes for Commercial and Transport Grpup
- Regular Monitoring of Portfolio for Delinquencies and PDD Controls
- Collaborated with cross-functional teams for business scale up . Policy and process updates.
- Regular Team meetings for developments, Clients and Channel Visits for Market intelligence
Regional Credit Manager (Retail Loans)
ICICIBankLTD
Bhilwara
11.2016 - 10.2024
- Handling Credit of CB Loans, Auto Loans, Personal loans, Business Loans, Agri OD and FE Loans, LAP HL
- Regular Complied for the ICICI Project of 4Q and 3C which includes all the above Loans
- Assessment of Credibility and Financials of Various Applicant including Trust, Society, Companies, Firms -Underwriting and Decisioning the same
- Monitored End to End Process and met TAT for cases
- Regular Training of CPA, Sales team, Branch Employees and Channels for the product and policy for grooming the business
- Awarded with Appreciation Certificate from JGM for Hunting Sub Par deals of high tickets
- Preparation and Publish various Business MIS for review of National Head
- FPR of Raj Team for observation of Hindsighting Errors and Periodic Concalls for Score improvements
- Converge meeting for Delinquent Cases and Collection visits at regular intervals
- Rated and Promoted in very first year for the overall performance and BSC topper among team
Partner
M/sKishanAgrawal&Asso.
Bhilwara
12.2015 - 11.2016
- Company Overview: Chartered Accountants, Bhilwara (Tax and Audit)
- Independently handled the Statutory Audit of Public and Private Ltd Companies engaged in manufacturing and trading both with Turnover of Rs 50.00 crores and above.
- Done Tax audits and ITR filing of Companies, Trust, Partnership Firms, Individuals and Societies.
- Represented the Assessee on behalf of the firm at Authorities of Income Tax Dept., Sales Tax Dept. and Service Tax Dept. and finalized the Scrutiny cases in various sections.
- Concurrent Audit of Bank of Baroda (Loan Division), Bhilwara Branch
- Concurrent Audit of Oriental Bank of Commerce, Bhilwara Branch
- Statutory Audit of Union Bank of India (Gurgaon, Greater Noida and Rajsamandh Branch)
- Prepared the Projects and CMA Reports and followed up with Bank officials.
- Made sanction of the various Term loans proposals.
- Finalization of Balance Sheet of Companies, Business Firm and Trusts
- Accounting and Financial Record keeping
- ROC Returns and various Secretarial Compliances.
- Sales Tax Return and Compliance.
- TDS Return preparation.
- Search Reports
- Various CA certificate preparation like regarding Foreign Exchange, Govt. Authority and Banking purpose.
- Chartered Accountants, Bhilwara (Tax and Audit)
Article Intern
M/SS.K.Toshniwal&Co.
Bhilwara
07.2013 - 12.2015
- Company Overview: Chartered Accountants, Bhilwara
- Chartered Accountants, Bhilwara
Article Intern
M/SB.B.Gupta&Asso.
Bhilwara
08.2012 - 07.2013
- Company Overview: Chartered Accountants, Bhilwara
- Chartered Accountants, Bhilwara
Education
CA Final -
MDS University
AjmerB.COM. -
12th Stnd. -
St. Anselms School
Bhilwara10th Stnd. -
St. Anselms School
BhilwaraSkills
- Ms Excel
- Word
- Power point
- Banking Softwares
- Computax
- Tally
- Banking Finnacle Software
- Problem Solving
- Positive Attitude
- Leadership
- Team Work
- Good Communication
- Liaison Skills
Phone
- Mobile, +91-9680223233
- Mobile, 7230005015
Current Residence
Bhilwara, Rajasthan, 311001
Permanent Residence
Shahpura, Bhilwara, Rajasthan, 311404
Extracurricular Activities
Won Inter School level Football and Cricket Matches Actively participated in Cultural activities and debate Competitions Cleared various Talent Hunt Exams at Interschool Level Completed GMCS training conducted by ICAI Completed IT and Orientation training conducted by ICAI
Disclaimer
I hereby declare that the above mention details are true to the best of my knowledge and belief.
Professional Academic Qualification
- CA Final, Cleared Both Groups, 11/01/15
- CA IPCC, Passed, 05/01/11
- CA CPT, Passed, 10/01/09
- B.COM., Completed, 01/01/12
- 12th Stnd., St. Anselms School, Bhilwara, 01/01/09
- 10th Stnd., St. Anselms School, Bhilwara, 01/01/07
Personal Information
- Father's Name: Lt. Shree S. L. Sen
- Mother's Name: Mrs Manju Sen
- Date of Birth: 05/09/91
- Marital Status: Married
Timeline
Senior Credit Manager
HDFC BANK LTD
04.2025 - Current
Regional Credit Manager (Retail Loans)
ICICIBankLTD
11.2016 - 10.2024
Partner
M/sKishanAgrawal&Asso.
12.2015 - 11.2016
Article Intern
M/SS.K.Toshniwal&Co.
07.2013 - 12.2015
Article Intern
M/SB.B.Gupta&Asso.
08.2012 - 07.2013
CA Final -
MDS University
B.COM. -
12th Stnd. -
St. Anselms School
10th Stnd. -
St. Anselms School