Puneet Sharma
New Delhi,DL
Summary
Dynamic credit management professional with over 8 years of experience and a strong passion for financial strategy. Expertise in risk assessment, financial analysis, and customer service drives a commitment to helping organizations achieve objectives. Proven ability to enhance credit processes and foster positive client relationships, ensuring effective financial decision-making. Seeking a Credit Manager role to leverage skills and contribute to organizational success.
Overview
1
1
Language
11
11
years of professional experience
Work History
Credit Manager
Piramal Capital and Housing Finance
02.2025 - Current
- Handling end-to-end credit assessment and underwriting for Home Loans (HL) and Loan Against Property (LAP) cases
- Evaluating financial documents, income stability, and repayment capacity of applicants
- Ensuring compliance with internal credit policies and regulatory guidelines
- Managing portfolio quality by monitoring risk parameters and delinquency trends
- Coordinating with sales, legal, and technical teams for smooth loan processing and disbursal
- Sanction Authority Salaried and SENP of Rs.40 Lakhs.
Deputy Manager
Axis Bank
04.2022 - 01.2025
- Dedicated Credit Manager with a demonstrated history of effectively assessing client’s creditworthiness and managing lending procedures in compliance with regulations.
- To manage the underwriting process for Retail Assets (Home Loans/Personal Loans) within Retail Lending
- To prepare Credit Approval Memo, managing TAT, Approval Rate
- To ensure complete adherence to laid down policy and procedure/process
- To appraise or underwrite loans within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority
- To assess the income, ability, intention, and credit behavior and verify it through documents and reference checks as well as from various kinds of credit bureau checks
- Responsible to evaluate all the credit risk parameters and measures to mitigate the same
- Regular Coordination with FI and FCI Vendors
- Handling PAN India 6 Branches for Home Loans (Chembur, Pimpari Chinchwad, Karnal, Rohtak, Moradabad and Bareilly).
Branch Credit Manager
HDB Financial Services
08.2019 - 03.2022
- PD (Personal Discussion) with clients at business premises in each and every cases like PL-SENP, LAP, HL, IMPL
- Verifying the promoter’s track record ascertaining their credit worthiness.
- Analysis of the financial statements of the prospective customer to identify the short term long term solvency liquidity position
- To ensure Bounce Rate and Delinquency are within acceptable standards.
- PDD Tracking and closure
- Evaluating credit proposals covering financial, business and industrial risk G decisioning of the loan.
Senior Credit Officer
Indiabulls Home Loans
07.2017 - 08.2019
- Processing loan applications in compliance with bank policies
- Verify documents and ensure the completion of applications checking the KYC Norms of the applications of Home Loans After verification as per the policies; entries made in APS System for further approval.
- Making CAM and Underwriting in system.
- Auditing (Dockets Files) of Disbursed cases
- Movement and Tracking of Post Disbursal Documents
Credit Operation Officer
Shubham Housing Development Finance
- Evaluating credit proposals covering financial, business and industrial risk G decisioning of the loan.
- Processing loan applications in compliance with bank policies. Verify documents and ensure the completion of applications Checking the KYC Norms of the applications of Home Loans
Credit Processing Associates
I-Process Services Deputed in ICICI Bank
01.2015 - 07.2017
- Processing loan applications in compliance with bank policies.
- Verify documents and ensure the completion of applications checking the KYC Norms of the applications of Home Loans.
Education
Diploma - Retail Credit Management
National Institute of Bank Management
MumbaiCertified Industrial Accountant (ICA+) - undefined
Institute of Computer Accountants
Masters of Commerce - undefined
Dr B R Ambedkar University Agra
Uttar PradeshSkills
Credit Risk Management
Strategic Financial Planning
Portfolio Management
Advanced MS Office: Team
Advanced MS Office: Team
Timeline
Credit Manager
Piramal Capital and Housing Finance
02.2025 - Current
Deputy Manager
Axis Bank
04.2022 - 01.2025
Branch Credit Manager
HDB Financial Services
08.2019 - 03.2022
Senior Credit Officer
Indiabulls Home Loans
07.2017 - 08.2019
Credit Processing Associates
I-Process Services Deputed in ICICI Bank
01.2015 - 07.2017
Masters of Commerce - undefined
Dr B R Ambedkar University Agra
Certified Industrial Accountant (ICA+) - undefined
Institute of Computer Accountants
Credit Operation Officer
Shubham Housing Development Finance
Diploma - Retail Credit Management
National Institute of Bank Management