Pankaj Bisht
Bangalore
Summary
Results-driven credit professional with 11 years' experience in both secured and unsecured underwriting, credit operations, and risk management across leading banks. Proven track record in maintaining nil NPAs, high TATs & driving process improvements, and leading high-performing teams in high-compliance and complex environments.
Overview
11
11
years of professional experience
Work History
Area Credit Manager- Mortgages
Kotak Mahindra Bank Ltd
Bangalore
01.2021 - Current
- Worked For Kotak Mortgages for 7+ years.
- Headed 2 Department in last 5 years.
- Identified process improvements and implemented changes to enhance operational effectiveness and efficiency.
- Reviewed customer applications for accuracy and completeness prior to submitting them for approval.
- Developed strategies for reducing customer delinquency and increasing collections efficiency.
- Generated monthly reports on the performance of credit activities in assigned area.
- Participated in meetings with senior management teams in order to discuss overall strategy for managing customer credit risk.
- Conducted training sessions for staff members on proper credit management processes and procedures.
- Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
- Oversaw credit review process, ensuring timely and accurate assessments.
- Conducted detailed financial analyses to determine creditworthiness of potential and existing clients.
- Compiled data and analyzed latest trends, identifying risks preventatively.
- Evaluated and approved credit applications based on thorough financial analysis and risk assessment.
Credit Manager- Mortgages/commercial
Australia & New Zealand Bank ( ANZ)
Bangalore
04.2017 - 01.2018
- Approval Authority of AUD 1 Million.
- Train, facilitate and guide Credit Assessors in credit assessment and decision making process of secured and unsecured commerical lending transactions.
- Coordination with Top Management ( Melbourne) for effective implementation of Credit and Technical policies with Bangalore Team
- Acted as a bridge between Credit Assessors in Bangalore and Front line manager ( Sales) of Australian origin in a cross-cultural environment by resolving complex commercial deals involving multiple properties and Australia regulations.
Deputy Credit Manager-WC,BL
HDFC Bank
Bangalore
04.2014 - 04.2017
- Worked with Working capital for a year and unsecured Business loan for 2 years.
- Approval Authority of Rs 25 lacs for WC & 5 lacs in Unsecured Business loan.
- Evaluated and approved credit applications based on thorough financial analysis and risk assessment.
- Created and updated financial reports on frequent basis to present information to leadership teams.
- Manage and facilitate Vendors and Vendor management of the bank.
Education
MBA - Finance
ITM Business School
Mumbai04-2014
Bachelor in Commerce( B.com) - Accounting And Finance
Kristu Jayanti College
Bangalore05-2010
Skills
- Credit risk assessment
- Financial analysis
- Credit policy development
- Collections management
- Regulatory compliance
- Operational efficiency
- Process improvement
- Vendor management
- Team leadership
- Cross-functional collaboration
- Portfolio management
- Underwriting expertise
- Credit risk management
Achievements
- Nil NPAs in last 11 years.
- Winner of Kotak High performance awards called 'Top Guns' for 3 times.
- Delivered high performance growth in overall portfolio.
- High appreciation for Management of Turnaround Time and NPS.
Timeline
Area Credit Manager- Mortgages
Kotak Mahindra Bank Ltd
01.2021 - Current
Credit Manager- Mortgages/commercial
Australia & New Zealand Bank ( ANZ)
04.2017 - 01.2018
Deputy Credit Manager-WC,BL
HDFC Bank
04.2014 - 04.2017
MBA - Finance
ITM Business School
Bachelor in Commerce( B.com) - Accounting And Finance
Kristu Jayanti College