Himanshu Attree
New Delhi
Summary
Results-driven banking and financial services professional with comprehensive expertise in credit appraisal, financial analysis, and risk management. Proven ability to evaluate corporate financials, prepare strategic profitability presentations, and deliver budget reports to senior management. Skilled in conducting client due diligence, portfolio optimization, and regulatory compliance to support informed lending decisions across auto loans, corporate finance, and wealth management sectors.
Overview
14
14
years of professional experience
Work History
Area Manager
Muthoot Capital Services Ltd
01.2025 - 03.2025
- Led market analysis to identify credit and business expansion opportunities.
- Ensured stringent adherence to legal and company policies.
- Strengthened client relationships to enhance retention and reduce credit risk.
- Managed Dealer DSA channels, overseeing client onboarding and risk evaluation.
Area Sales Manager
Kotak Mahindra Prime Ltd
11.2022 - 01.2025
- Conducted detailed financial analysis of corporate clients to assess creditworthiness and support loan approvals.
- Developed and presented comprehensive profitability reports and financial forecasts to senior management for budgeting and strategic decisions.
- Administered corporate auto loan limits while collaborating with credit risk teams to ensure compliance and risk control.
- Directed digital and branch sales channels, optimizing portfolio performance and credit quality.
Manager – Auto Loans
Axis Bank Ltd
07.2017 - 11.2022
- Performed in-depth financial assessments of corporate borrowers to evaluate repayment capacity and credit risk.
- Prepared detailed portfolio profitability analyses and budget adherence presentations for senior leadership.
- Partnered with credit teams to prepare appraisal notes and conduct rigorous pre-sanction due diligence.
- Managed sales targets while enforcing credit policy compliance and risk mitigation.
Corporate Sales Manager – Auto & Two Wheeler Loans
HDFC Bank
07.2015 - 07.2017
- Analyzed corporate financials for credit evaluation and risk profiling.
- Compiled and presented financial reports on budget and profitability status to management.
- Engaged corporate clients to align loan products with their financial profiles and business objectives.
Wealth Manager
ING Vysya Bank Ltd
12.2014 - 07.2015
- Conducted profitability analyses and financial reviews for corporate business banking solutions.
- Presented budget recommendations and financial insights for portfolio planning and optimization.
- Supported loan syndication processes, providing critical financial impact analyses for corporate clients.
Wealth Manager
ICICI Bank Ltd
04.2011 - 10.2014
- Advised HNI and corporate clients on credit and investment solutions focused on risk management and capital optimization.
- Conducted customer portfolio reviews to identify credit opportunities and growth areas.
Education
BBA -
Guru Gobind Singh Indraprastha University
Kashmere Gate, DelhiMBA - International Business & Marketing
Amity International Business School
NoidaSkills
- Credit appraisal & underwriting
- Corporate financial analysis & modeling
- Profitability & budget presentation
- Risk assessment & mitigation
- Client due diligence & portfolio management
- Regulatory compliance & internal controls
- Team leadership & stakeholder management
- Market analysis & business development
Languages
- English, Fluent
- Punjabi, Fluent
- Hindi, Fluent
Personal Information
Date of Birth: 10/18/87
Timeline
Area Manager
Muthoot Capital Services Ltd
01.2025 - 03.2025
Area Sales Manager
Kotak Mahindra Prime Ltd
11.2022 - 01.2025
Manager – Auto Loans
Axis Bank Ltd
07.2017 - 11.2022
Corporate Sales Manager – Auto & Two Wheeler Loans
HDFC Bank
07.2015 - 07.2017
Wealth Manager
ING Vysya Bank Ltd
12.2014 - 07.2015
Wealth Manager
ICICI Bank Ltd
04.2011 - 10.2014
BBA -
Guru Gobind Singh Indraprastha University
MBA - International Business & Marketing
Amity International Business School
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