Trekking, Travelling, Gaming, Football
Sahil Srivastava
Credit Manager
Summary
Detail-oriented Finance Professional skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 5+ years of Banking Industry expertise.
Overview
12
12
years of professional experience
4
4
Certifications
2
2
Languages
Work History
SENIOR MANAGER - Loan Against Property
IDFC First Bank Ltd.
7 2018 - Current
- Credit and Risk Assessment of SEP, SENP & Salaried Profiles
- Independent Credit Authority of L4 and upto 1.5Cr for Loan Sanction
- Credit and Risk Assessment of potential solvency of the application based on IDFC First Bank Policy based on evaluation borrowers' financial statements, analyze credit reports, and determine loan terms and conditions
- Vendor Management for Legal, Technical, FI and Personal Visit data
- Complete collateral evaluation in coordination with third parties and working closely at various management levels for strategizing credit evaluation
- Structural changes in policy in terms of program modification Channel partner visits like DSA and branches for training them about Bank's Policies for the additional business sourcing
- Monitoring accounts for signs of fraud and non-payment issues
- Monitor the quality of loan portfolios to ensure timely repayments and minimize default risks
- Regular review and analysis of loan procedures to ease the sanctioning process
- Maximized performance by monitoring daily activities and mentoring new team members.
- Ensured compliance with industry regulations and legal requirements by implementing comprehensive policies and training programs for counterparts.
- Handling big ticket size cases for entire Rajasthan and presenting them to committee members for approval
- Ensuring achievement of entire region's business volume target through proper planning and implementation of policy and procedures whilst maintaining the quality of portfolio
- Cross-Product knowledge and credit underwriting experience of Micro Business Loan, LAP, Home Loan & Education Loan
BUSINESS ANALYST
A3Logics(I) Pvt Ltd.
07.2013 - 12.2015
- Worked to effectively combine the vision of clients with in-house wireframe designers to provide clear design specifications
- Requirement Gathering and Analysis for the projects undertaken while handling a team of designers, developers and testers using AGILE Methodology
- Writing Business Documents like PRD-Project Requirement Documents, Proposals, SRS, User Stories, PBIs, Process Flow Diagrams, High Level Sprint Plan and Project Plan
- Providing guidance to the Project Team as a resource, as well as an Owner of the project, for throughout SDLC
- Managed the successful completion of Mobile applications and Web applications software development projects utilizing Java, Objective- C, .Net, PHP Wordpress, HTML5 and SQL components, with budgets ranging from $10-$150k.
MANAGEMENT TRAINEE (Account Executive)
HCL Infosystems Ltd.
09.2012 - 05.2013
- Be able to build B2B client relationship in IT department
- Responsible for working with clients to identify their needs and analyzing how the company can best meet those requirements
- Be able to personally conduct a basic product demonstration (hardware and software)
- Build, manage and maintain a pipeline of interested prospects
- Attend external meetings with clients to qualify projects and opportunities
Education
MBA - Banking & Finance -
Symbiosis School of Banking And Finance
2018
B.Tech - Electrical, Electronics And Communications Engineering
Malviya National Institute of Technology (MNIT)
Jaipur, India 04.2001 -
Science
Higher Secondary, GMIS
2008
Senior Secondary, GMIS
2006
Skills
Financial Analysis
Accomplishments
- IDFC PAN India ACE Award for Outstanding Performance in FY23-24 under category "Power of One Individual Performance"
- Collaborated with team of 5 in the testing of SFDC platform
Certification
CRISIL Credit Assessment – Level 3 Gold Certified
Internship
Summer Internship at Bank of India, Pune
Learned about the types of loans given and their processes
Interests
Timeline
CRISIL Credit Assessment – Level 3 Gold Certified
12-2023
Advance Excel at Udemy
01-2020
KPMG Six Sigma Green Belt
10-2018
Bloomberg Market Concept
01-2017
BUSINESS ANALYST
A3Logics(I) Pvt Ltd.
07.2013 - 12.2015
MANAGEMENT TRAINEE (Account Executive)
HCL Infosystems Ltd.
09.2012 - 05.2013
B.Tech - Electrical, Electronics And Communications Engineering
Malviya National Institute of Technology (MNIT)
04.2001 -
SENIOR MANAGER - Loan Against Property
IDFC First Bank Ltd.
7 2018 - Current
MBA - Banking & Finance -
Symbiosis School of Banking And Finance
Science
Higher Secondary, GMIS
Senior Secondary, GMIS
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