Raghav Sehgal
Chartered Accountant
Summary
Strategic Credit Manager with deep expertise in credit risk assessment and financial analysis. Skilled in developing robust credit policies, improving collections, and managing large credit portfolios. Proven track record in enhancing credit processes and driving business growth. Recognised for strong leadership, analytical acumen, and delivering impactful financial solutions.
Overview
12
12
years of professional experience
3
3
Languages
Work History
Credit Manager
Godrej Finance Limited
03.2024 - Current
- Working as Credit Manager in Business Loan Department,handling files upto 50L
- Conducted due diligence on potential customers and partners to assess creditworthiness
- Presented credit analysis findings and recommendations to senior management
- Managed a portfolio of over 500 customers, ensuring timely and accurate credit decisions
- Trained and mentored junior credit analysts to develop their skills and knowledge
- Conducted credit audits and reviews to ensure compliance with internal policies and external regulations
- Prepared and presented periodic credit reports to management
- Represented the company at industry events and conferences related to credit management
Senior Manager
Kotak Mahindra Bank
09.2023 - 03.2024
- Workied as Credit Manager in unsecured business loans handling ticket size upto 50 lacs
- Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business.
- Held monthly meetings to create business plans and workshops to drive successful business.
- Collaborated closely with peers from other departments to drive organizational success jointly as one cohesive unit.
- Improved team performance by providing comprehensive training and fostering a collaborative work environment.
Manager
HDFC Bank
03.2020 - 09.2023
- Worked as Credit Manager -underwriting Unsecured Business Loans and Personal Loans files
- Making proper assessment of the files underwritten and conducting risk analysis to make a fully compliant file and reduce the credit risk
- Assisting in Internal Audit of the Bank by complying all the regulatory matters
- Visiting DSA channels and CPV agencies & help in performing smooth functioning with them
- Preparing various MIS of Non starters & early delinquent cases and liaise with Collection Teams in recovery from delinquent cases
Senior Executive
Shiva Texfab Limited
06.2019 - 08.2019
- Dealing with GST related matters of the company
- Following-up of submission of Bill of Entries with the Banks on timely basis
- Providing assistance in dealing with notices of Assessment from Income Tax Department & other Departments
Assistant Officer
Sel Manufacturing Co. Ltd.
12.2016 - 04.2018
- Conducted Internal Audit of Mehatwara(MP) & Rahon(PB) units
- Dealt with Accounts & Taxation matters of Beverly Bakers Ltd(sister concern) dealing in manufacturing of FMCG products
- Conducted stock audits of Mr
- Sub Stores (QSR)
- Assisted in implementing POS software at Mr
- Sub outlets
- Assisted in implementing Internal Controls at The Iconic School (Bhopal)
Article Assistant
B. Rattan & Associates
04.2013 - 04.2016
- Exposed to execute Statutory Audit and Tax Audit of various clients
- Preparation of Financial statements, Tax Audit Reports, Tax Computations
- Ensuring adherence with the Accounting Standards, Companies Act, Income Tax Act & other allied laws
- Preparation & filing of Income Tax & TDS returns, Service Tax returns with respective authorities
- Conducted various Concurrent audits, Statutory audits and Central Statutory audits of Nationalised Banks
Education
Chartered Accountant -
The Institute Of Chartered Accountants Of India
New Delhi, India 04.2001 - 08.2019
B.Com - undefined
Panjab University
XII - undefined
Green Land Sr. Sec. Public School, CBSE
Ludhiana, PunjabX -
Green Land Sr. Sec. Public School, CBSE
Ludhiana, PunjabSkills
Work coordination
Organizational skills
Professionalism
Problem-solving aptitude
Analytical thinking
Information verification
Strategic planning
Team collaboration
Risk assessment
Self motivation
Teamwork and collaboration
Locations
- Ludhiana,Punjab
Timeline
Credit Manager
Godrej Finance Limited
03.2024 - Current
Senior Manager
Kotak Mahindra Bank
09.2023 - 03.2024
Manager
HDFC Bank
03.2020 - 09.2023
Senior Executive
Shiva Texfab Limited
06.2019 - 08.2019
Assistant Officer
Sel Manufacturing Co. Ltd.
12.2016 - 04.2018
Article Assistant
B. Rattan & Associates
04.2013 - 04.2016
Chartered Accountant -
The Institute Of Chartered Accountants Of India
04.2001 - 08.2019
B.Com - undefined
Panjab University
XII - undefined
Green Land Sr. Sec. Public School, CBSE
X -
Green Land Sr. Sec. Public School, CBSE