Sahil Panjeta
Mumbai
Summary
5+ years of experience in SME and MSME lending with a sound understanding of both credit and sales.
Overview
5
5
years of professional experience
Work History
Business Development Manager
oxyzo financial services
Mumbai
02.2024 - Current
- Hunting and farming of SME entities for various WC products
- Handling a team of 12 people
- Handling the PNL of entire Pune region
- Drove ₹50Cr+ in working capital facilities across infra and manufacturing entities in FY 24-25 individually.
- Already have 40 cr sanctioned and to be disbursed in Q1
- Promoted to ASM from BDM
- Star performer for Q2 and Q3 FY 24-25
Sr Associate
Grameen Impact Investments India
02.2023 - 02.2024
- Spearheaded client acquisition efforts for the SDG Impact Bond, successfully fostering new partnerships aligned with Sustainable Development Goal #2 (SDG #2).
- Formulated strategic collaborations to secure guarantees, effectively mitigating exposure risks associated with client engagements.
- Executed monthly credit reporting to external bureaus, contributing to a transparent and accurate representation of client credit profiles.
- Maintained a direct reporting line to the CEO, providing regular updates on operational activities, milestones, and challenges.
Credit Manager HL and LAP
IDFC FIRST Bank
05.2022 - 01.2023
- Demonstrated expertise in managing Loan Against Property (LAP) and Home Loan (HL) products, cultivating a comprehensive understanding of mortgage lending intricacies.
- Assumed a pivotal role in overseeing branch-level operations for Sanawad location
- Conducted thorough PD assessments directly at client premises
- Executed in-depth analyses of both legal and technical aspects, ensuring a robust assessment of property-backed loan applications.
- Prepared comprehensive credit notes and conducted underwriting procedures
Credit Manager
Jai Kisan
10.2020 - 02.2022
- Experienced a diverse array of corporate and retail lending products, showcasing a nuanced understanding of the lending landscape.
- Methodically assessed risk profiles and repayment capabilities of proposals, leveraging comprehensive analyses of financial reports, bank statements, credit reports, and other pertinent financial documents.
- Engaged in insightful personal interactions with customers, delving into their business models, financial requirements, and seeking clarifications to take well-informed credit decisions.
- Made detailed credit notes - CAM and provided recommendations for loan applications, fostering a collaborative approach with the Credit Committee and lending partners in the Banking Correspondent (BC) model.
- Developed specialized expertise in equipment finance, facilitating adept guidance in this specific lending product.
Education
MBA/PGDM -
IIFM
12.2020
B.Tech/B.E. -
Punjab Technical University (PTU)
12.2016
Skills
- Credit Analysis
- Sales
- Collections
- Key Account Management
Timeline
Business Development Manager
oxyzo financial services
02.2024 - Current
Sr Associate
Grameen Impact Investments India
02.2023 - 02.2024
Credit Manager HL and LAP
IDFC FIRST Bank
05.2022 - 01.2023
Credit Manager
Jai Kisan
10.2020 - 02.2022
MBA/PGDM -
IIFM
B.Tech/B.E. -
Punjab Technical University (PTU)
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