Madhur Sharma
Chandigarh
Summary
More than 18 years of experience in the financial services sector, Worked with Banks & Non Banking Financial Corporations. Presently working with IndiaInfoline Housing Finance Corporation as Regional Credit Manager. My work includes risk ,credit ,policy ,product ,audit,compliance ,collections Exposure and experience of Home loan ,affordable housing,,LAP,Small ticket LAP,Construction Finance Experience of affordable housing product role ,policy formulations for region wide , Taken care of affordable housing of MPCG ,Punjab & Haryana ,South
Overview
18
18
years of professional experience
2005
2005
years of post-secondary education
Work History
India Infoline Housing Finance
01.2015 - Current
Manager
Axis Bank
12.2011 - 01.2015
- Credit underwriter of mortgages Loan & Personal Loans for Chandigarh & Bhatinda ,Patiala
- Handling Legal & Technical of Home Loan, Lap cases, APF projects
- Maintaining APF projects Files
- Completion of documentation of APF projects
- Making of approvals of APF projects
- Responsible for TAT of Legal & Technical reports
- Legal & Technical Vendor Management.
Regional Product Manager
01.2017 - 07.2017
- Swaraj is Product for affordable Housing & first time buyers
- UP Region
- AP/Telengana / Karnataka Region
- Chennai and ROTN Region
- MPCG Region Role & Responsibility
- Underwriting of affordable segment cases under product swaraj
- Expediting and increasing Swaraj home loan business and getting faster sanctions and disbursements
- Providing continuous necessary support to Credit and Sales team for clarification of their doubts related to Swaraj Home Loan - Product, Policy and Process
- Streamlining work flows in these branches for faster approvals and convenient disbursal in these branches
- Follow up of Swaraj SUD cases and maximizing Swaraj Disbursements and reviewing Reject cases
- Seeking suggestions from branches , along-with ways and means ( as and when required ) by which we can increase this business in these regions by suggesting suitable changes in policy / process because of some regional impact
- For example suggesting need of even specific regional policy - if required
- Awakening the teams in these regions about Swaraj product, it's importance and value so that we can increase this business
- Creating and implementing any specific schemes and contests for Sales / Credit or any other idea which can help generate this business
- Acting as a support fulcrum to any of these branches (as and when required) for taking their Swaraj HL business to newer heights
Credit Manager
Fullerton, STRATEGIES
01.2008 - 12.2011
- Credit underwriting of mortgages , PL, TW
- Facilitate business delivery through optimization of risk and efficient file processing
- To ensure all process controls are in place to build a portfolio with desired quality standards
- Conducting Monthly RO/RM training, CPV agency review
- Providing feedback to BUM & Collections on the portfolio
- To ensure new bookings are in line with policy manual so that file audit scores are high
- Doing Branch Audits, PDDs
- Optimization of cost of credit process by aligning costs with process delivery
- Part of Training Team (Induction Team), Impart training to new employees
- MIS & OPERATIONS
- Coordination with Team Members for Preparation & Review of MIS Reports
- Responsible for weekly Coordination & Submission of Branch MIS Reports to Top Management
- Ops Coordination for smooth business processing
- AUDIT COMPLIANCE
- Assisting Audit Team for Better Audit Compliance as Per Management Process
- Active Involvement & Responsible For Periodical Branch Audit Reviews
- BUSINESS, Exploring New Opportunities & Segments for Better Customer Retention /New Customers Services
- Review of Existing Business Strategies.
Relationship Officer
ICICI Bank Ltd
02.2006 - 01.2008
- Taking care of Mortgages HL+LAP
- One point contact for customer
- Reviewing files & dockets of HL +LAP
- Details
- Madhur Sharma
Education
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1 1 - 04.2004
BSC - Physics ,Chemistry ,Biology
University of Punjab
10+2 - undefined
CBSE Board
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Skills
Research and trend analysis
undefinedTimeline
Regional Product Manager
01.2017 - 07.2017
India Infoline Housing Finance
01.2015 - Current
Manager
Axis Bank
12.2011 - 01.2015
Credit Manager
Fullerton, STRATEGIES
01.2008 - 12.2011
Relationship Officer
ICICI Bank Ltd
02.2006 - 01.2008
BSC - Physics ,Chemistry ,Biology
University of Punjab
10+2 - undefined
CBSE Board
undefined
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1 1 - 04.2004
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