Shish Pal
New Delhi
Summary
I depict myself as an extrovert, with a deep sense of dedication and commitment to my profession, and loyalty to Corporate Management. My Area of specialization and experience is of field credit whereas I understood credit logics. I work well in team as well as individually and strongly believe in motivation for effective results. Results-driven professional with strong analytical skills and a commitment to team success. Fosters collaborative environments that motivate others to achieve exceptional outcomes. Utilises strategic insights to enhance operational processes and drive business growth.
Overview
21
21
years of professional experience
Work History
Area Credit Manager for New Delhi + Gurgan
Tata Capital Limited
03.2025 - Current
- Having approval authority of 60 Lac exposure size with LEVEL-3 deviation authority.
- Primarily responsible for Processing & Credit Appraisal of Commercial vehicle (truck and buses) financing in Delhi and NCR.
- Handling locations across Delhi, Ghaziabad, Noida, Faridabad, Gurgaon.
- Appraising and evaluating the viability of proposals based on an in-depth analysis, scrutinizing relevant documents and assessing the credit worthiness of an individual/unit seeking finance with prescribe policy.
- Conducting Market visits to understand the local market scenario / competition & building to local policies / process to enhance business volumes with improved sourcing quality.
- Tata Motors Finance Solutions Limited, one of the fastest growing Rajasthan based Non-Banking Finance Company, is an outcome of the professional entrepreneurship of its Founder Sanjay Agarwal & his highly experienced & competent management team. Their focus and passion is to establish a high quality, customer centric and Service Driven finance company catering the smallest needs of people of India. The association of the company with the finest pedigree investors reflects company’s sustainable growth and synergies. Au Financiers is a Systematically Important Non Deposit Accepting NBFC as classified by RBI, in Rajasthan.
State Head Credit for New Delhi + Noida + Kanpur
Tata Motors Finance Solutions Limited
03.2017 - 05.2025
- Having approval authority of 30 Lac exposure size with LEVEL-II deviation authority.
- Primarily responsible for Processing & Credit Appraisal of personal (Car) & commercial vehicle (truck) financing in Delhi and NCR.
- Handling locations across Delhi, Ghaziabad, Noida, Faridabad, Gurgaon.
- Appraising and evaluating the viability of proposals based on an in-depth analysis, scrutinizing relevant documents and assessing the credit worthiness of an individual/unit seeking finance with prescribe policy.
- Conducting Market visits to understand the local market scenario / competition & building to local policies / process to enhance business volumes with improved sourcing quality.
- Building internal controls for improved processes & better quality. Also building Audit process.
- Analysis & Portfolio management.
- Keeping the close watch on Early Delinquency and other related Delinquency parameters.
- Attend to various queries raised by vetting/ recommending authority on Credit.
- Accountability to Risk and Compliance department for 100% Policy adherence.
- Responsibility to deliver the credit assessment target within specified TAT.
- Liaising with collection department and monitoring the quality of the credit portfolio by analyzing reports encompassing excesses and past dues (as part of risk management process) to have an eye on the nature of delinquency so that the same can be taken care off while appraising future proposals.
- Giving training to new joiners in team (Credit & Sales), Cr. Executives & FI team.
- Tata Motors Finance Solutions Limited, one of the fastest growing Rajasthan based Non-Banking Finance Company, is an outcome of the professional entrepreneurship of its Founder Sanjay Agarwal & his highly experienced & competent management team. Their focus and passion is to establish a high quality, customer centric and Service Driven finance company catering the smallest needs of people of India. The association of the company with the finest pedigree investors reflects company’s sustainable growth and synergies. Au Financiers is a Systematically Important Non Deposit Accepting NBFC as classified by RBI, in Rajasthan.
Credit Manager for Delhi Location
Au Financier (India) Limited
11.2012 - 03.2017
- Having approval authority of 8.00 L exposure size with LEVEL-II deviation authority.
- Primarily responsible for Processing & Credit Appraisal of personal (Car) & commercial vehicle (truck) financing in Delhi and NCR.
- Handling locations across Delhi, Ghaziabad, Noida, Faridabad, Gurgaon.
- Appraising and evaluating the viability of proposals based on an in-depth analysis, scrutinizing relevant documents and assessing the credit worthiness of an individual/unit seeking finance with prescribe policy.
- Conducting Market visits to understand the local market scenario / competition & building to local policies / process to enhance business volumes with improved sourcing quality.
- Building internal controls for improved process & better quality. Also building Audit process.
- Analysis & Portfolio management.
- Keeping the close watch on Early Delinquency and other related Delinquency parameters.
- Attend to various queries raised by vetting/ recommending authority on Credit.
- Accountability to Risk and Compliance department for 100% Policy adherence.
- Responsibility to deliver the credit assessment target within specified TAT.
- Liaising with collection department and monitoring the quality of the credit portfolio by analyzing reports encompassing excesses and past dues (as part of risk management process) to have an eye on the nature of delinquency so that the same can be taken care off while appraising future proposals.
- Giving training to new joiners in team (Credit & Sales), Cr. Executives & FI team.
- Au FINANCIERS (INDIA) LIMITED, one of the fastest growing Rajasthan based Non-Banking Finance Company, is an outcome of the professional entrepreneurship of its Founder Sanjay Agarwal & his highly experienced & competent management team. Their focus and passion is to establish a high quality, customer centric and Service Driven finance company catering the smallest needs of people of India. The association of the company with the finest pedigree investors reflects company’s sustainable growth and synergies. Au Financiers is a Systematically Important Non Deposit Accepting NBFC as classified by RBI, in Rajasthan.
Branch Credit Officer for Azadpur Branch
INDIABULLS Financial Services Limited
04.2011 - 11.2012
- Intact with Login to Disbursement process.
- Appraising and evaluating the viability of proposals based on an in-depth analysis, scrutinizing relevant documents and assessing the credit worthiness of an individual/unit seeking finance with prescribe CSC.
- Analyzing the Financial statements of the concern for preparing Credit Appraisals as per the company’s grading system.
- Credit visit, Financer and Open market ref check.
- Accountability to Risk and Compliance department for 100% Policy adherence.
- Coordinating with RCU for proper sampling / screening of files for fraud prevention.
- Handling MIS such as Login, Deviation, Deferral and PDDs.
Sr. Executive in CPA (Narayna, New Delhi)
e-nxt Financial Limited (TATA Enterprises)
06.2008 - 03.2011
- RSPM/CAM preparation of Commercial Vehicle of TATA Motor finance.
- Analyzing the Financial statements of the concern for preparing Credit Appraisals as per the company’s grading system for customers seeking finance & working capital Loans.
- Screening the file for the purpose of valid documentation as per company policy & checking the repayment history of the proposed customer/unit seeking finance.
- Handling team & giving training to new joiner.
Sr. Associates (CP, New Delhi)
PAMAC FINSERVE Private Limited (CPA of HDFC Bank)
01.2005 - 05.2008
- Handling Auto Loan (New Car & Used Car Loan) application, which involves underwriting and Processing of application and preparation of daily MIS report.
- Quality assurance of all applications, coding, policy check & other Guidelines.
- Handling ROC charge check that covers initiating ROC charge check report, agreement filling, filling & satisfaction of charge.
Education
MBA -
NIBM Global institute of Management
Pune01-2019
B. Com -
Maharishi Dayanand University
Rohtak, Haryana01-2004
Skills
- Financial Analysis
- Loan Recommendation
- Underwriting
- EMI Term Loans
- Auto Loans
- Commercial Vehicle Loans
- Credit risk management
- Credit risk assessments
- Credit check management
- Credit history databases
- Credit rating analysis
- Results oriented approach
Accomplishments
- Got 2nd Prize in the Youth Festival of District Level.
- Consecutively got 'A Grade' in last 2 Appraisals - scored 95 out of 100 in PAMAC.
- In INDIABULLS out of 5 candidates - only I was selected for BCM position.
- In Au Financier I have got 'M4 Grade' in last appraisals - scored 4 point out of 5.
Custom Section
33 K.V. Power House, Old D.C Road, Near Anand Cinema, Sonipat, Haryana, 131001
Personal Information
Father's Name: Late Shri Raghubir Singh
Hobbies and Interests
- Solving puzzles
- Playing chess
- All outdoor sports
Languages
English
Upper Intermediate
B2
Hindi
Upper Intermediate
B2
Timeline
Area Credit Manager for New Delhi + Gurgan
Tata Capital Limited
03.2025 - Current
State Head Credit for New Delhi + Noida + Kanpur
Tata Motors Finance Solutions Limited
03.2017 - 05.2025
Credit Manager for Delhi Location
Au Financier (India) Limited
11.2012 - 03.2017
Branch Credit Officer for Azadpur Branch
INDIABULLS Financial Services Limited
04.2011 - 11.2012
Sr. Executive in CPA (Narayna, New Delhi)
e-nxt Financial Limited (TATA Enterprises)
06.2008 - 03.2011
Sr. Associates (CP, New Delhi)
PAMAC FINSERVE Private Limited (CPA of HDFC Bank)
01.2005 - 05.2008
MBA -
NIBM Global institute of Management
B. Com -
Maharishi Dayanand University