Open To Work
Shailesh Pandey
Mumbai,MH
Summary
Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability.
Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Overview
8
8
years of professional experience
Work History
Credit Manager
HDFC Bank
Mumbai, India
11.2025 - Current
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Developed strong relationships with clients through professional communication and timely resolution of credit issues.
Credit Manager
Aditya Birla Capital
Mumbai
02.2023 - 10.2025
- Underwrite and follow up on the product until disbursement.
- Analyze CIBIL, bank statements, KYC, and income documents.
- Coordination with Sales and Operations for the processing of files.
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
- Reviewed and analyzed loan procedures.
Assistant Manager
Au Small Finance Bank
Mumbai
12.2021 - 02.2023
- Underwriting of applications received for loans in adherence to the policy and process laid down by the bank, along with ensuring a healthy portfolio with a quality segment customer base.
- To interact with team members—sales, operations, and risk—for smooth functioning and proper coordination.
- Interaction with a peer team member for training, knowledge sharing, and system setup.
- Supervised day-to-day operations to meet performance, quality and service expectations.
Assistant Manager
Upwards Fintech Services Pvt Ltd
Mumbai
04.2021 - 12.2021
- Credit assessment and underwriting of personal loan applications based on product and policy norms within TAT.
- Analyze credit history, financial statements, and bank statements to determine loan eligibility.
- Coordinating with the verification agency and RCU team for timely verification.
- Consult with the customer to verify financial and credit details, and understand the loan requirements.
- Improved operational efficiency by adopting new technology for inventory management.
Assistant Manager
Kotak Mahindra Bank
Mumbai
01.2019 - 04.2021
- Credit card underwriting.
- Maintained a clean, safe, and organized store environment to enhance the customer experience.
- Check the credit card application, and understand the source of income of the applicant.
- Study and analyze CIBIL to understand creditworthiness.
- Also, to follow bank policy and sanction credit cards, where there are branch customer CASA, salary accounts, existing loan customers, and auto loan customers, we need to process applications based on bifurcation.
- Decide on the credit limit, considering the application and bank policy.
- Responsible for giving credit to the right customer.
Credit Process Associate
Indusind Bank Limited
Mumbai
11.2017 - 09.2018
- Preparing allocation files for underwriters, assigning the files.
- In the month-end process, secured credit card applications are underwritten as per KYC and policy norms provided by the bank.
- Highlighting cases to the FCU (Fraud Control Unit) to identify fraud cases and prevent fraud.
Education
B.com - B.com
S N Collage Mumbai
05-2017
H.S.C - H.S.C
Aryan Collage
05-2014
S.S.C - S S C
VED MATA SCHOOL
05-2012
Skills
Credit analysis
Risk analysis
Risk assessments
Strategic planning
Research and due diligence
Languages
English
Advanced (C1)
Hindi
Advanced (C1)
Marathi
Intermediate (B1)
Timeline
Credit Manager
HDFC Bank
11.2025 - Current
Credit Manager
Aditya Birla Capital
02.2023 - 10.2025
Assistant Manager
Au Small Finance Bank
12.2021 - 02.2023
Assistant Manager
Upwards Fintech Services Pvt Ltd
04.2021 - 12.2021
Assistant Manager
Kotak Mahindra Bank
01.2019 - 04.2021
Credit Process Associate
Indusind Bank Limited
11.2017 - 09.2018
B.com - B.com
S N Collage Mumbai
H.S.C - H.S.C
Aryan Collage
S.S.C - S S C
VED MATA SCHOOL