HIMANSHU SARIN
Batala
Summary
- Results-driven Credit & Risk Professional with 8+ years of diversified experience in both Retail and wholesale segment underwriting i.e Business loans, LAP loans in retail segment and Large-ticket underwriting, SME/Agri underwriting, portfolio management wholesale segment.
- Proven track record in managing high-value portfolios (2500 Cr+), evaluating complex proposals, mitigating risks, and improving credit quality.
- Strong expertise in financial analysis, due diligence, risk assessment, and cross-functional coordination across legal, valuation, and relationship teams. Adept at maintaining TAT without compromising underwriting quality.
- Strong grip on Housekeeping and portfolio hygiene parameters.
Overview
13
13
years of professional experience
Work History
CREDIT MANAGER – AVP (Large Ticket Underwriting)
HDFC Bank
Amritsar
04.2025 - Current
- Overseeing portfolio of 150 customers with total exposure of Rs 2500 Cr plus across Amritsar, Batala, Pathankot, Jammu & Himachal Pradesh.
- Underwriting large-ticket proposals across Mid-Corporate & Commercial Banking verticals.
- Assessing fund-based and non-fund–based proposals with exposure from +10 Cr to 100+ Cr.
- Preparing detailed CAMs including financial spreading, ratio analysis, industry benchmarking, credit risk scoring, and viability assessment.
- Evaluating complex deal structures including supply chain finance, structured funding, and consortium/multiple banking cases.
- Coordinated with RM teams, internal credit committees, compliance, legal, and valuation partners to streamline underwriting processes.
- Focused to always maintain the portfolio clean and to grow the good portfolio with proper grip on understanding the business model.
- Pursued early resolution of reported delinquencies through proactive collaboration with customers and business teams.
CLUSTER CREDIT MANAGER – AVP
AU Small Finance Bank
06.2023 - 04.2025
- Underwriting SME and Agri proposals from Rs.1 Cr to Rs.50 Cr.
- Coordinated with legal & valuation teams and improved credit processing efficiency.
- Coordinated with legal and valuation teams to enhance credit processing efficiency.
- Received Gold Award for outstanding performance in Q1 of fiscal year 2025-26.
- Experienced in underwriting TL and WC proposals across hospitals, manufacturing, education, textiles.
- Processing of the cases within the stipulated TAT
- Delinquency management ,aggressive follow up with the customers and business to maintain the portfolio hygiene.
SENIOR CREDIT MANAGER
HDFC Bank
08.2018 - 05.2023
- Prepared CAMs up to 1 Cr for retail business and professional loans
- Conducted financial analysis, bank statement study, and risk evaluation to assess borrower creditworthiness.
- Ensured Maintained timely processing to meet customer expectations and operational efficiency. and vendor management.
- Maintained the quality portfolio.
FINANCE & TAXATION MANAGER
SD Wires & Cables
08.2016 - 07.2018
- Oversaw direct/indirect taxation, audits, regulatory compliance, and GST implementation to ensure adherence to legal standards and operational efficiency.
- Oversaw team performance and ensured adherence to safety protocols.
- Coordinated inventory management and maintained stock levels efficiently.
AUDIT & TAXATION EXECUTIVE
Sushil K Kad & Associates
01.2014 - 07.2016
- Led audits for nationalized banks, ensuring compliance with TDS, service tax regulations, and conducting due diligence.
- Led strategic initiatives to align organizational goals with client needs.
- Developed and implemented comprehensive marketing strategies to enhance brand visibility.
- Managed project timelines, ensuring effective resource allocation and task prioritization.
Education
CA Final -
ICAI
CA-IPCC -
ICAI
CA-CPT -
ICAI
B.Com -
G.N.D.U
12th -
CBSE
10th -
ICSE
Skills
- Fraud Understanding
- Team Management
- TAT driven approach and portfolio management
- Credit Evaluations
- Client Relationship Management
- Risk Analysis and Assessment
- Vendor Management
- Research and Due Diligence
Rewards and recognition
- Awarded Gold Award for excellence performance in the Q1 of FY 25-26
- Detected anomalies in the financials and found old fraud done by the promoters
- Safeguard Rs 60 Cr of bank's money through proper due diligence and market knowledge.
Language
English (C2), Hindi (C2), Punjabi (C2)
Languages
English
First Language
Hindi
Advanced
C1
Punjabi
Proficient
C2
Timeline
CREDIT MANAGER – AVP (Large Ticket Underwriting)
HDFC Bank
04.2025 - Current
CLUSTER CREDIT MANAGER – AVP
AU Small Finance Bank
06.2023 - 04.2025
SENIOR CREDIT MANAGER
HDFC Bank
08.2018 - 05.2023
FINANCE & TAXATION MANAGER
SD Wires & Cables
08.2016 - 07.2018
AUDIT & TAXATION EXECUTIVE
Sushil K Kad & Associates
01.2014 - 07.2016
CA Final -
ICAI
CA-IPCC -
ICAI
CA-CPT -
ICAI
B.Com -
G.N.D.U
12th -
CBSE
10th -
ICSE