Neharika Sharma
Bhopal
Summary
Credit professional with 8+ years of experience. Looking for challenging role that drives me, to constantly improve myself and take my career ahead to the next level which I have aimed for.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Credit Manager
Aditya Birla Capital
02.2022 - Current
- Handling Cases of Pan India level base location MP/CG, products-Business loan up to 100 lacs, small ticket size segment for urban and emerging market.
- Working towards Udyog Plus cases, pregenerated PAPQ offer segment customers.
- Hands on Working on company portals Lentra, Finbox, Finagg etc.
- Managing supply chain segment of Aditya Birla with its subsidiary Birla Opus, Ultratech and Kesoram.
- Decisioning of cases within 24 Hours TAT, Prompt response and action to queries and resolutions.
- Coordinating with Vendor Management, DSA Channels, Portfolio delinquency and Fraud save Triggers.
- Frequently Publishing and comparing competition data among all financiers of MP Location.
- Conducting Virtual Desk meetings and Training on monthly basis.
Branch Credit Manager
HDB Financial Services
06.2016 - 01.2022
- Explored customer segment of 4 different cities in total work tenure -Bhopal, Vidisha, Hoshangabad & Sehore
- Growing from Management Trainee to Branch Credit Manager within 3years of time span
- Meeting deadlines by proactively managing individual & team efforts by implementing all process
- Maintaining high standard of Branch Credit Audit Score & achieving Business Volume
- Conducting pre-sanction visits at all business points & collection visits at delinquent cases
- Engaging with Lawyers & valuers for Legal search & valuation report while proposing secured loans
Education
MBA - Finance
Institute of Professional Education & Research
Bhopal, Madhya Pradesh06.2016
Skills
- Financial analysis tools
- Credit appraisal & proposals
- Legal Compliance
- Risk mitigation
- Competitive Approach
Accomplishments
- Rewarded as 'Best Management Trainee' received Bonus Price money for Excellent Performance & self-Initiatives among top 5 candidates across Pan India HDB Financial services.
- Awarded Udaan Momentous for Focus on Results with Accountability & Discipline for April & May 2022 in Aditya Birla Finance Ltd within 2months of Joining.
Location
Current Location: Bhopal, M.P.
Relocating to: Meerut, U.P.
Languages
English
Hindi
Hobbies and Interests
- Trekking
- Fitness
Certification
- Credit Risk Master Class on Unsecured Lending (For CM/SCM) | CRISIL Limited | Issued Nov 2022
- Udaan Momentus for "Focus on Results with Accountability and Discipline" | Aditya Birla Finance Limited | Issued April 2022
Timeline
Credit Manager
Aditya Birla Capital
02.2022 - Current
Branch Credit Manager
HDB Financial Services
06.2016 - 01.2022
- Credit Risk Master Class on Unsecured Lending (For CM/SCM) | CRISIL Limited | Issued Nov 2022
- Udaan Momentus for "Focus on Results with Accountability and Discipline" | Aditya Birla Finance Limited | Issued April 2022
MBA - Finance
Institute of Professional Education & Research
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