Pushpendra Kumar Singh
Credit Risk Manager-Wholesale Banking SME-Working Capital HDFC Bank || Ex-Yes Bank || Ex-ICICI ||Ex-Hinduja Ltd.
Vadodara
Summary
Passionate, experienced and results driven Credit Risk Manager in Prime mortgages banking industry having team handling and sanction authority experience of more than 5 years and academic finance professional. Underwrite credit proposals based on in-depth financial analysis with an overview of industry and to identify the risk along with mitigates and closely monitor the portfolio.
Overview
7
7
years of professional experience
3
3
Languages
Work History
Credit Risk Manager-Wholesale Banking SME-WC
HDFC Bank Ltd.
03.2025 - Current
- Reporting to Area Credit Manager (Deputy Vice President)
- Credit Risk Manager for Wholesale Banking (SME Working Capital) executed for the end-to-end credit underwriting, risk assessment and portfolio management of SME clients (typically companies with annual turnovers upto INR 2500 millions)
- Executed end-to-end credit appraisals within a INR 20 millions individual sanction authority and recommended proposals upto ticket size INR 150 millions with maintaining a zero early mortality rate while strictly adhering to RBI guidelines and internal credit risk policies
- 360° Financial Analysis: Conduct comprehensive independent credit evaluations of SME loan proposals, focusing on balance sheets, cash flows, income statements and debt service capacity.
- Performed end-to-end credit evaluation, rating, and working capital analysis for fund-based facilities (Cash Credit(CC), Overdraft (OD), Working Capital Demand Loan (WCDL), DOD, Working Capital Term Loans (WCTL), Machinery Term Loans, Short-Term Corporate Loan (STCL), Trade & Bill Financing- Bill / Invoice Discounting & Purchase / Sales Bill Discounting, Supply Chain Finance (SCF)- Vendor / Supplier Financing & Dealer / Inventory Funding) and non-fund based facilities (Letter of Credit (LC), Bank Guarantee (BG), Specialized Export & Import Finance- Pre-Shipment Credit (Packing Credit) & Post-Shipment Credit and Government-Backed Schemes (for SMEs/MSMEs)- CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises), Credit Guarantee Scheme for Startups (CGSS), PMEGP) along with LRD, Pledge funding up to loan amount INR 150 millions.
- Evaluated clients from multiple industries including Engineering, Machinery Metal Fabrication, Food Processing & Agro-Based Products, Packaging, Infrastructure, Pharmaceuticals, Chemicals, Wood Paper & Printing, Textiles, Hosiery & Garments.
Senior Manager-Credit Risk Management
Yes Bank Ltd.
04.2022 - Current
- Reporting to Regional Credit Manager (Vice President)
- Prime Mortgages Underwriting (Large Ticket)- LAP, HL, Dropline Overdraft(DOD), LRD, LCP-Commercial/Industrial.
- Sanction authority(DP) up to INR 15 millions and underwriting recommendation with credit appraisal memorandums (CAM) outlining structural risks and financial sensitivities proposal loan amount up to INR 250 millions in prime large ticket LAP, HL, DOD, LCP and LRD products.
- Have successfully underwritten a robust portfolio of INR 4000+ millions. Individually with negligible delinquency and Maintaining TAT within T+3
- Consistent performer and have been awarded with ranking among top 5 best CM in Pan India basis internal score cards in several quarters.
- 360° Financial Profile Analysis: Analyze the customer's financial health, including Balance Sheets, P&L statements, income tax returns (ITRs), cash flow statements and bank statements to assess repayment capacity
- Exceeds expectations APR rating in key result areas includes productivity, TAT decisioned, Internal audit, ORM and PAR score, Portfolio performance, PDD etc.
- Financial assessment of credit underwriting criteria for borrowers derived on cash profit, gross receipt method for SEP, banking surrogate program, Low LTV program, RMT program, STCC program, GST program, High equity NIP program and grossing method for manufacturers, traders and service provider.
- Collaborate with external legal and technical vendors to verify the property title, ownership history, valuation and marketability of the diversified collateral - Residence, commercial, Industrial, school, Hospital, Hotel, Warehouses, Plot-Resi & commercial properties.
Territory Credit Manager- LAP SME
ICICI Home Finance Company Ltd.
12.2021 - 04.2022
- Reporting to Regional Credit Manager (Vice President)
- Mortgage Underwriting(Grade Senior Manager)-LAP and Home Loan
- Recommending of proposal, preparation of financial CAM and personal Discussion(PD) up to INR 100 millions
- Sanction authority in LAP up to INR 10 Millions.
- Territory managing was entire Vadodara Hub Branch, Anand and Bharuch & Anleshwar Branch.
- Team handling experienced: Total 5 credit team direct reporting Includes 02 Branch Credit Manager, 02 Portfolio Managers and 2 CPA(Fulfillments Officers).
Cluster Credit Manager
Hinduja Housing Finance Ltd.
06.2019 - 12.2021
- Reporting to Regional Credit Manager
- Credit & Risk Mortgage Underwriter /Retail Home Loan & Loan Against Property / Loan Portfolio Analysis
- Over achieved business disbursement target with consistently maintains 100 % no dues in Portfolio basis on that qualified for international Amsterdam trip.
- Managing entire north Gujarat region Ahmedabad , Mehsana & Palanpur clusters Branch and 12 spoke location.
- Promoted to Cluster Credit Manager from Credit Manager (MT) grade within 1 years basis achievement in Annual performance review.
- RCU management, portfolio management and delinquencies root cause analysis & control, TAT Monitoring, post sanction activities- quality of credit file and PDD, audit & QC compliance.
- Analysis & interpretation of legal & technical report with mortgage perspective, MIS reporting- login, sanction, legal & technical Initiation, disbursement, PDD & OTD.
- Adherence to the credit process & policy, ERP system generated risk based WAS score consumer & commercial cibil checks, due diligence on internal dedupes, CERSAI & Sherlock analysis and decision based on deviation approval matrix.
Education
Post Graduate Program - Financial Management
ITM Group of Institutions
Kharghar, Navi Mumbai05-2019
Master of Commerce - Accounting and Financial Management
M.S University of Baroda
Vadodara, Gujarat04-2016
Bachelor of Commerce - Accounting and Financial Management
M.S University of Baroda
Vadodara, Gujarat 04.2001 -
CBSE All India Senior School Certificate Examination -
Kendriya Vidyalaya(KVS)
Bikaner, Rajasthan03-2011
CBSE All India Secondary School Certificate Examination -
Kendriya Vidyalaya(KVS)
Punjab03-2009
Skills
- Credit Risk Management
- Early Warning Signals (EWS) & Portfolio Monitoring
- Regulatory Compliance Mastery (RBI & MSME Guidelines)
- Cash-Flow Based Underwriting & CMA Spreading
- Trade Finance & Non-Fund Based Risk Evaluation
- Wholesale & Commercial(SME) Banking
- Financial Forensic Analytics & Fraud Spotting
- MS Office Suite
- Finacle Core Banking, LaserSoft, APS, EWS Portfolio, EAS, Shock & awe, ASR SME and Tableau
KEY ACHIEVEMENTS
- Earned and evaluated as "Strong Contributor" (SC) performance rating in Annual performance review' 2026 in HDFC Bank basis ranked in the top 10% on a PAN India scale for underwriting accuracy and portfolio quality.
- Exemplary Performance in Pan India- "Lakshya Contest" - Credit Excellence Meet'2024-Mortgages- Yes Bank Ltd., Awarded and appreciated by Chief Credit Risk Officer-Mr. Rakesh Arya and Head Credit Risk(SME & Retail)- Mr. Mahavir Agrawal for achieving the exemplary performance in TAT and productivity in LAP & HL.
- Internal promotions and recognitions- Promoted to Senior Manager from Manager (MT) grade within 2 years in Yes Bank on basis achievement in Annual performance review FY'24.
- Earned and evaluated as "Exceeds Expectation" (EE) performance rating in Annual performance review' 2024 in Yes Bank basis ranked in the top 10% on a PAN India scale for underwriting accuracy and portfolio quality.
- Promoted to Cluster Credit Manager from Credit Manager (MT) grade within 1.5 years in Hinduja Housing Finance Ltd. on basis achievement in Annual performance review.
- PAN India Topper in Credit Managers program course Jointly held by Manipal Global Education and Hinduja Housing Finance Ltd.
Timeline
Credit Risk Manager-Wholesale Banking SME-WC
HDFC Bank Ltd.
03.2025 - Current
Senior Manager-Credit Risk Management
Yes Bank Ltd.
04.2022 - Current
Territory Credit Manager- LAP SME
ICICI Home Finance Company Ltd.
12.2021 - 04.2022
Cluster Credit Manager
Hinduja Housing Finance Ltd.
06.2019 - 12.2021
Bachelor of Commerce - Accounting and Financial Management
M.S University of Baroda
04.2001 -
Post Graduate Program - Financial Management
ITM Group of Institutions
Master of Commerce - Accounting and Financial Management
M.S University of Baroda
CBSE All India Senior School Certificate Examination -
Kendriya Vidyalaya(KVS)
CBSE All India Secondary School Certificate Examination -
Kendriya Vidyalaya(KVS)