Manuj Sharma
Dwarka, New Delhi
Summary
- A dynamic professional with over 19 years of experience in Relationship Management, Operations Management, Credit & Risk Management, Loan Disbursal, Customer Services & Vendor Management.
- Presently associated with CTBC Bank Co., Ltd, New Delhi as Chief Manager, Head of Credit Service Dept.
- Expertise in solving client queries & building healthy & long lasting business relations with institutional & corporate clients.
- Proficient in managing credit and risk operations, building client relationship & achieving high customer satisfaction.
- A keen communicator with exceptional team building & interpersonal skills with the ability to work in a dynamic environment.
Overview
19
19
years of professional experience
2
2
years of post-secondary education
2
2
Certifications
3
3
Languages
Work History
Head of Credit Services (Chief Manager)
CTBC Bank Co., Ltd
Aerocity, New Delhi
12.2021 - Current
- Managed a team of professionals to achieve organizational goals and maintain high productivity levels across segments.
- Managed risk, control, & operational aspects, including overseeing audits, regulatory inspections, adherence to the operational risk framework, ensuring compliance with SLAs both in terms of turnaround time (TAT) and quality.
- Spearheaded continuous improvement & automation initiatives to enhance efficiencies.
- Established collaborative relationships with stakeholders by facilitating regular review meetings, service meetings, and open-house sessions to seek and provide feedback, as well as conducting process awareness sessions to enhance input quality.
- Implemented cost-saving initiatives, process improvements, enhancing productivity.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
Location Head - SESO (Asst. Vice President)
Kotak Mahindra Bank Ltd
Ahmedabad, Gujarat
05.2020 - 11.2021
- Overseeing the Service Solution team cross region for all segments and monitoring day to day activities.
- Led cross-functional teams for the successful completion of major tasks, resulting in increased efficiency and business and client satisfaction.
- Delivered strong financial performance despite challenging economic conditions by executing prudent risk management strategies throughout all aspects of business operations.
- Building and maintaining healthy business relations with internal stake holders and major corporate & institutional clients, ensuring maximum customer satisfaction.
- Bringing resolution of any service related issues raised by relationship or client.
- Ensuring of timely processing of general banking transactions and service requests for clients.
- Preparation and tracking of various MIS reports as per internal and regulatory reporting requirements.
- Providing regular feedback to teams about their performance across parameters like TAT, discrepancy rate in documents, quality of case login through performance reports & quality controls.
SESO, Large Corporate (Chief Manager)
Kotak Mahindra Bank Ltd
Aerocity, New Delhi
05.2016 - 04.2020
- Appraising of Credit proposals and raise notes and give inputs to Credit Managers/Analyst for Waivers, Deferrals, Exceptions, Additional timelines on case to case basis.
- Advising CRM/Analyst on discrepancies pertaining to credit approval conditions in Term Sheets.
- Preparation of Credit documentation (both security and transactional) and ensuring proper execution.
- Ensuring compliance of pre disbursal terms and conditions prior to limit loading.
- Ensuring creation and perfection of security for credit facilities.
Credit Operations - (Asst. Vice President)
HSBC Ltd
Gurgaon, Haryana
03.2012 - 05.2016
- Ensured regulatory compliance at all times by implementing robust internal controls systems coupled with proactive monitoring mechanisms.
- Ensured compliance of pre disbursal terms and conditions in line with the bank's internal credit policies. Documentation as per prevailing legal requirement and practice.
- Checking of Security/Transactional documents which are to be in line with LGA approved formats.
- Managing limit and security maintenance in transaction processing system.
Credit Operations (Manager)
HSBC Ltd
Gurgaon, Haryana
05.2009 - 02.2012
- Appraising proposals & scrutinizing relevant documents before sanctioning / disbursing loans, ensuring compliance with bank's credit policies.
- Monitoring pre and post disbursement documents tracking as per approval comments.
- Updating of Insurance and Stock Inspection database.
Consumer Credit Risk, (Manager)
HSBC Ltd
Noida, Uttar Pradesh
10.2005 - 04.2009
- Evaluated and identifying in fixing Geo limit and defining negative areas in terms of business.
- Analyzing reject applications, holding MI with a view to assist sales in improving sourcing and
providing inputs to business. - Coordinating with agencies & understanding the areas affect quality and portfolio performance and with policy and central operations for improvement of portfolios of all products.
Education
Marketing Management -
Symbiosis University
Distance Learning, Pune 04.2002 - 05.2004
Skills
- Team Leadership & Development
- Collaboration (Teamwork, Adaptability, Conflict Resolution)
- Creative Problem Solving (Critical Thinking, Analytical approach, Decision Making)
- Financial Control & Reporting
- Stakeholder Engagement
- Operations Management, Process Improvement & Automation
- Risk Management & Compliance
Personal Information
Date of Birth: 07/26/79
Professional Overview - Summary
A dynamic professional with over 19 years of experience in Relationship Management, Operations Management, Credit & Risk Management, Loan Disbursal, Customer Services & Vendor Management. Expertise in solving client queries & building healthy & long lasting business relations with institutional & corporate clients. Proficient in managing credit and risk operations, building client relationship & achieving high customer satisfaction. A keen communicator with exceptional team building & interpersonal skills with the ability to work in a dynamic environment.
Accomplishments
- Led multiple digitization and automation initiatives in Credit and Lending Operations.
- Successfully established various processes (new, migrations & re-migrations).
- Streamlined multiple processes aimed at improving operational efficiency.
- Implementation of multiple Regulatory changes including process design & execution.
Certification
Certified Credit Professionals, Indian Institute of Banking & Finance.
Timeline
External Commercial Borrowings & Trade Credits, Indian Institute of Banking & Finance
10-2024
Certified Credit Professionals, Indian Institute of Banking & Finance.
05-2022
Head of Credit Services (Chief Manager)
CTBC Bank Co., Ltd
12.2021 - Current
Location Head - SESO (Asst. Vice President)
Kotak Mahindra Bank Ltd
05.2020 - 11.2021
SESO, Large Corporate (Chief Manager)
Kotak Mahindra Bank Ltd
05.2016 - 04.2020
Credit Operations - (Asst. Vice President)
HSBC Ltd
03.2012 - 05.2016
Credit Operations (Manager)
HSBC Ltd
05.2009 - 02.2012
Consumer Credit Risk, (Manager)
HSBC Ltd
10.2005 - 04.2009
Marketing Management -
Symbiosis University
04.2002 - 05.2004
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