Pankaj Sharma
Jodhpur
Summary
To build a professional career with a high growth-oriented organization of hi-tech environment, which will help me in exploring my potentials and willingness to work as a key player in challenging and creative environments.
Overview
17
17
years of professional experience
Work History
Portfolio Credit Manager
AU Small Finance Bank
04.2019 - Current
- Handling credit analyzing, Underwriting, and sanctioning and disbursals of loan proposals for the MSME Segment within TAT
- Looking proposals of junior team member and accordingly sanctioning and recommending proposals to senior authority As per deviation matrix
- Lending under priority sector guidelines issued by RBI
- By following the Bank policies and procedures from sanction to post disbursement monitoring, ensuring to healthy portfolio in lending
- Credit appraisal of mortgage MSME Business loan and drafting credit proposal and credit assessment memo having Experience to conducting credit visit individually up to 1cr and having sanction authority up to 50 lacs
- Conducting discussion with customer and performing business visit of customer for assessment income
- Analyzing the overall case based on documents enclosed
- Credit underwriting of personal loan, salaried loan, Business loan & LAP
- Physical PD of the cases (Business visit and collateral visit)
- Check and analyze the CIBIL Record of customer and other related case documents regarding business vintage
- Income & property docs
- Ensuring policy adherence & meeting the credit TAT
- Analyzing of financial statements, SOA, Banking, income docs, ITR, Valuation report, legal report
- Training provides to credit team and sales tea regarding product and policies
- Training provides to new Joinee employee regarding role and responsibilities
- Also focus on fresh bouncing, early delinquency, Nonstarter and NPA customer
Accountant
Al Safeer Groups of Companies
06.2016 - 09.2017
- Company Overview: The Group comprises of 5 major Business sectors and was founded in 1992 since then it has continued to expand its market locally & internationally
- Al Safeer Group, a diversified conglomerate bringing you a variation offering the choicest of shopping and entertainment across the Gulf with interests in Retail, shopping malls, Cinemas, Food Outlets, Real Estate, Furniture, Manufacturing, Advertising, Trading and more! Al Safeer Group is fueled in its corporate vision of ‘Excellence in Service’ by a team of over 3500 dedicated professionals under the able stewardship of Founder Chairman & CEO, J.P
- Kalwani and Group COO, Mahesh J
- Kalwani
- Reconcile and Post all Receivable account (Cash & Credit) in Oracle Like Sales, Other Exp& etc
- Monthly Reconciliation of Credit Card Receivables, Cash in Hand &etc
- Keep Retail Credit Customers Contract Agreements
- Resolution of Escalated Complaints & Queries
- Prepare Monthly Ageing Report and Follow up Overdue Customer with Concern Department
- Maintain Files in an Orderly Manner
- Prepare MIS Weekly and Monthly Basis
- Cash & Cheque clearing in oracle for banking department
- Loan & Interest entries in oracle (AP)
- TR & Wakala documentation process
- Daily cash deposited check with all bank statement for all branches related to Retail market
- Daily Sales Report for Subsidiary companies
- Assist in finalization of accounts for subsidiary companies
- Vouching & verification for all invoices related to subsidiary companies & related to all payment invoices
- All entries related to credit card, cash receipts and all expenses and payments in oracle (Related to AR and AP Department)
- The Group comprises of 5 major Business sectors and was founded in 1992 since then it has continued to expand its market locally & internationally
- Al Safeer Group, a diversified conglomerate bringing you a variation offering the choicest of shopping and entertainment across the Gulf with interests in Retail, shopping malls, Cinemas, Food Outlets, Real Estate, Furniture, Manufacturing, Advertising, Trading and more! Al Safeer Group is fueled in its corporate vision of ‘Excellence in Service’ by a team of over 3500 dedicated professionals under the able stewardship of Founder Chairman & CEO, J.P
- Kalwani and Group COO, Mahesh J
- Kalwani
Process Executive
Infosys
03.2016 - 06.2016
Article ship
Shailesh Jamad / Harish Mandora & company
01.2008 - 01.2012
- Company Overview: CA Firm
- CA Firm
Education
MBA -
Suresh Gyan Vihar university
12.2023
CA PCC -
ICAI
05.2012
B.COM -
JNVU University
2008
Higher Secondary -
CBSE
2005
Secondary -
CBSE
2003
Skills
- Finalization of Books of Accounts
- Auditing Exposure
- Preparing Financial Statements
- Reconciliation of Books of Accounts
- Team Management
- Cash management
- Credit evaluation
- Portfolio management
- Credit underwriting
Languages
Hindi
English
Phone
+91, 9829320142
Personal Information
- Date of Birth: 03/21/88
- Marital Status: Married
Programsoftwarecompetency
- Ms Office (Ms Word, Ms Excel, Ms Power-Point)
- CCT Training under ICAI
- ORACLE ERP R12
- Tally and CCC (NIELIT)
- Other team management certificate from Symbiosis
Timeline
Portfolio Credit Manager
AU Small Finance Bank
04.2019 - Current
Accountant
Al Safeer Groups of Companies
06.2016 - 09.2017
Process Executive
Infosys
03.2016 - 06.2016
Article ship
Shailesh Jamad / Harish Mandora & company
01.2008 - 01.2012
MBA -
Suresh Gyan Vihar university
CA PCC -
ICAI
B.COM -
JNVU University
Higher Secondary -
CBSE
Secondary -
CBSE