Himanshu Wadhwa
Senior Manager - Credit
Summary
Profile Summary :- Currently working as Senior Manager - Credit (Received 2 Promotions in Timespan of 4 years) in AU Small Finance Bank. Worked as Assistant Credit Manager with India Bulls Housing Finance Ltd. Prior experience as Executive with Capital First Ltd & Tata Capital Financial Services Ltd.
Credit Management Certification from NIBM- Pune
Bachelor's in commerce from Kurukshetra University
Overview
9
9
years of professional experience
Work History
Senior Manager - Credit
AU Small Finance Bank
6 2020 - Current
- Underwriting of Loan
- Conducted customer eligibility checks and engaged in personal discussions
- Ensured accuracy of collateral through legal and technical verification processes
- Monitored and ensured compliance with company policies while analyzing data for any deviations
- Ensured high standards for portfolio quality.
- Managing post-disbursement documents.
- Oversaw reporting, documentation, and record-keeping requirements for the department.
- Investigated and evaluated customers for creditworthiness and potential risk factors. Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations
Assistant Credit Manager
Indiabulls Housing Finance Ltd, LAP
07.2018 - 04.2020
- Financial standing of client while preparing credit requirements
- Legal and Technical Verification of collateral
- Processing and appraisal of loan proposals
- Checking for deviations if any as per Company policies and analyzing data accordingly
- Recommending for sanction of loan to sanctioning authority
- Managing quality of portfolio
- Managing post disbursement documents
Executive- Support
Capital First Ltd under Rolls of AVA Enterprises
11.2017 - 06.2018
- Receiving Details of Leads
- Generating CIBIL Reports of Leads
- Login data into CAM (Credit Appraisal Memo) for deriving credibility of lead
- Checking necessary document for disbursement of loan
- Sending case for final authorization for final disbursement
Support Executive
Tata Capital Financial Services Ltd
09.2016 - 10.2017
- Under role of Tata Business Support Services Ltd from, Project Name: Rural Finance (Under Vertical Used Tractors)
- Job Responsibilities:
- Receiving details of Leads from Sales Executives
- Generating CIBIL Reports of Leads
- Login data into CAM (Credit Appraisal Memo) for deriving credibility of lead
- Sending details for approval according to deviations and recommendations
- Managing entire paperwork for each client, ensuring complete adherence to process
- Responding to queries of Operations Team
- Completing files and forwarding approvals for disbursement of loan
Accounts Executive
Sushiel Shandilya and Co, Maruti Suzuki India Limited
10.2015 - 08.2016
- Auditing sales file of each vehicle on daily basis after delivery
- Validating all prerequisites required for delivery of vehicle
- Review & auditing files for proper documentation
- To ensure whether prevailing discounts have been offered to customer
- Audit all other mandatory documents (including loan docs) and prepare reports of delivery
Education
12th - Commerce
Pratap Public School CBSE Board
04.2011 - 04.2012
10th -
Pratap Public School, CBSE Board
04.2009 - 03.2010
Bachelor of Commerce -
DAV PG COLLEGE KURUKSHETRA UNIVERSITY
05.2012 - 05.2015
Credit Management Certification -
National Institute of Bank Management
Pune 04.2001 -
Skills
Analytical thinking and planning
Problem Analysis and ability to solve problems efficiently & effectively
Financial Analysis
Operating Systems: Windows 2000/98/XP/Vista/7/8/10
Languages: C, C
Software: MS Excel, MS Word, MS Power Point
Credit Management Certification from NIBM- Pune
Timeline
Assistant Credit Manager
Indiabulls Housing Finance Ltd, LAP
07.2018 - 04.2020
Executive- Support
Capital First Ltd under Rolls of AVA Enterprises
11.2017 - 06.2018
Support Executive
Tata Capital Financial Services Ltd
09.2016 - 10.2017
Accounts Executive
Sushiel Shandilya and Co, Maruti Suzuki India Limited
10.2015 - 08.2016
Bachelor of Commerce -
DAV PG COLLEGE KURUKSHETRA UNIVERSITY
05.2012 - 05.2015
12th - Commerce
Pratap Public School CBSE Board
04.2011 - 04.2012
10th -
Pratap Public School, CBSE Board
04.2009 - 03.2010
Credit Management Certification -
National Institute of Bank Management
04.2001 -
Senior Manager - Credit
AU Small Finance Bank
6 2020 - Current