Mitesh Ghervada

• Spearheading the assessment and underwriting of working capital proposals ranging from INR 2 Cr to INR 40 Cr, with independent sanction authority of up to INR 5 Cr.
• Overseeing credit operations across Baroda and surrounding regions, including Bharuch and Anand.
• Conducting comprehensive credit evaluations to assess borrower risk profiles, leveraging financial statements, bank analysis, and dedupe reports.
• Preparing detailed Credit Appraisal Memorandums (CAMs) and product notes in alignment with internal credit policies, and regulatory guidelines.
• Ensuring timely and accurate underwriting of all proposals within defined turnaround times (TAT), including direct customer interactions for high-value cases.
• Maintaining portfolio health by proactively monitoring accounts, identifying early warning signals, and managing delinquencies effectively.
• Collaborating cross-functionally to gather critical financial data, and ensure seamless credit processing.
• Demonstrating strong expertise in credit risk assessment, due diligence, and financial analysis.
• Promoting a culture of compliance, adaptability, and continuous improvement within the credit team.
• Recognized for underwriting excellence, customer engagement, and maintaining high-quality credit standards.

Credit Manager – Retail and Wholesale Lending: Possesses dynamic experience across Retail Credit (two-wheeler and auto loans) and wholesale SME credit (working capital), with a proven track record of managing diverse portfolios and credit products.

Career Progression in HDFC Bank:

• Sep 2014 – May 2015: Credit Manager – Two-Wheeler Loans, Ahmedabad: Responsible for credit appraisal and underwriting of TW loan proposals, ensuring compliance with internal policies and risk parameters.
• Jun 2015 – Jul 2016: Credit Manager – Two-Wheeler & Auto Loans, Anand: Managed dual-product credit operations, including evaluation, sanctioning, and portfolio monitoring for TW and auto loans.
• Aug 2016 – Mar 2021: Credit Manager – Auto Loans, Baroda & Surrounding Regions: Oversaw credit processing and risk assessment for auto loan proposals across multiple locations, maintaining portfolio quality, and minimizing delinquencies.
• Apr 2021 – Oct 2022: Credit Manager – Wholesale SME Credit (Small Ticket up to INR 10 Cr), Baroda and Surrounding Regions: Led underwriting and credit evaluation for SME working capital proposals, ensuring timely decision-making and adherence to credit norms, with a sanction authority of Rs. 7 Cr.

• Played a key role in the accurate and timely collection of financial data for European banking institutions, ensuring high standards of data integrity and consistency.
• Actively contributed to internal training initiatives, serving as a trainer for core financial data analysis tools and applications.
• Captured and maintained comprehensive datasets aligned with departmental tracking requirements and reporting standards.
• Reviewed and analyzed feedback to identify data discrepancies, implementing corrective measures and process improvements to enhance accuracy.
• Maintained up-to-date knowledge of evolving industry trends, financial regulations, and reporting frameworks to ensure relevance and compliance in data reporting.

• Delivered prompt and effective customer support via live chat, ensuring a high level of satisfaction across multiple simultaneous interactions.
• Efficiently managed up to three customer queries concurrently, maintaining service quality and responsiveness.
• Guided customers through online order processes, including the application of promotional offers and discounts.
• Assessed customer needs to recommend the most suitable products and services, enhancing user experience and conversion rates.
• Upheld company service standards by consistently resolving issues and ensuring customer satisfaction.