Shrey Anada
Ahmedabad
Summary
Dynamic finance professional with extensive experience at Bank, excelling in loan underwriting and portfolio management. Proven track record of growing portfolios by ₹100 Crores while ensuring compliance and operational efficiency. Strong leadership and risk assessment skills drive team success and enhance performance in high-stakes environments.
Overview
12
12
years of professional experience
3
3
years of post-secondary education
Work History
Assistant Vice President
RBL Bank
02.2025 - Current
- Managed a diverse portfolio, including Prime Home Loans, LAP, Unsecured Business Loans, and Education Loans, with a focus on underwriting and approvals for both secured and unsecured loans.
- Successfully grew the prime portfolio by over ₹100 Crores, highlighted by the acquisition of a single ₹46 Crore proposal, all while maintaining a flawless record of zero delinquency.
- Led loan approval and underwriting over ₹10 Crores in secured loans by Self and up to ₹50 Lakhs in unsecured proposals, contributing to an overall ticket size of ₹50 Crores.
- Recognized for exceptional performance by Executive Directors and the board for a Flat 6 days onboarding TAT of a key HNI client, demonstrating strong operational efficiency and a commitment to excellence.
- Improved portfolio health by leading team efforts to reduce delinquency and ensure compliance through regular training on policy updates and key performance metrics.
- Managed key vendor relationships for FCU, FI, legal, and technical services to ensure seamless operations
Area Manager (Credit Initiation)
Standard Chartered Bank
09.2023 - 02.2025
- Managed credit processes for unsecured business loans, home loans, retail mortgages, and business banking LAP and working capital loans, achieving 100% decision delivery within TAT.
- Implemented vendor management strategies, conducting reviews and training to enhance performance and facilitate new vendor empanelment.
- Ensured compliance with company policies, maintaining high audit standards and achieving zero errors in data quality.
- Conducted credit underwriting for secured and unsecured files, analyzing customer profiles and financials to justify fund usage.
- Presented industry trend briefings to superiors, identifying deviations and recommending corrective actions.
- Oversaw legal housekeeping activities, including PDD and OTC reviews to ensure timely closures.
- Managed internal audits and assessed legal and technical reports related to collateral evaluations.
- Handled a monthly volume of 45-50 file logins, averaging ticket sizes of Rs 75 Lacs and disbursements over 2500 lacs while leading a team of 15 sales managers and 7 credit operation executives.
Credit Manager (E3) - Unsecured Business Loans
HDFC Bank Limited
12.2021 - 09.2023
- Analyzed bank statements and financial statements to determine borrower eligibility for unsecured business loans, ensuring compliance with rules and regulations.
- Calculated and interpreted financial ratios to evaluate the financial position of borrowers, providing valuable insights for loan decision-making.
- Cross-verified all borrower details through various trusted sources, ensuring the accuracy and reliability of the information.
- Conducted personal discussions with clients to verify their financial position, social status, and purpose of loan requirement.
- Reviewed and updated the company's credit policy, ensuring alignment with industry best practices, and regulatory requirements.
- Completed loan applications, including comprehensive credit analyses, and summaries of loan requests, recommending high-value cases to senior management.
- Reviewed the health of the portfolio of self-employed professional loans and business loans, identifying potential risks, and recommending appropriate actions.
- Maintained clear and concise documentation of all credit-related activities, facilitating effective communication and knowledge-sharing within the team.
Branch Credit Manager ( Home and Mortgage Loan)
India Infoline Housing Finance Limited (IIFL)
09.2018 - 12.2021
- Awarded as the 'Best Credit Manager' across Gujarat for FY 2018-19.
- Led credit underwriting activities, ensuring accurate verification of income and current obligations through comprehensive financial analysis.
- Successfully sanctioned high-value mortgage cases, demonstrating expertise in risk assessment and loan evaluation.
- Maintained regular communication with sales and operations teams, ensuring efficient loan processing and timely resolution of any issues.
- Monitored nonstarters and cheque bounce trends, implementing strategies to minimize delinquencies and improve collection processes.
- Ensured compliance with audit and regulatory requirements, adhering to policies and processes set by the central team.
- Collaborated with regional teams to draft and recommend policies, contributing to the development of effective and region-specific guidelines.
- Maintained a thorough understanding of channel partners and their sourcing patterns, enabling effective collaboration and streamlined loan origination.
- Diligently documented all activities and maintained accurate records, ensuring transparency and accountability in loan processing.
Intern
M/s Pankaj R Shah & Associates, Chartered Accountants
02.2014 - 02.2017
- Assisted in income tax filing and litigation, ensuring compliance with relevant regulations and guidelines.
- Prepared financial statements and conducted statutory audits, ensuring accuracy and adherence to accounting standards.
- Managed company law annual return and compliance, ensuring timely submission and adherence to legal requirements.
- Facilitated international tax filing by preparing and submitting Form 15CA CB, ensuring compliance with international tax regulations.
- Handled indirect tax scrutiny, return filing, and assessment, ensuring accuracy and compliance with applicable laws.
- Assisted with various compliance tasks, ensuring adherence to legal and regulatory requirements.
- Maintained clear and organized documentation, facilitating easy retrieval of information and ensuring accuracy in record-keeping.
Education
Masters - Finance and Taxation
IGNOU
Ahmedabad, India12.2018
Chartered Accountant -
Institute of Chartered Accountants of India
Ahmedabad, India05.2018
Bachelor of Commerce -
Ahmedabad University ( H L College of Commerce)
Ahmedabad, India 04.2012 - 03.2015
Skills
- Microsoft Office proficiency
- Loan underwriting
- Portfolio management
- Risk assessment and management
- Vendor management
- Credit analysis
- Team leadership
- Compliance adherence and policy compliance
- Operational efficiency
- Budget management
- Performance monitoring and reporting
- Records management and meeting minutes
- Accounting and tax compliance
Awards
Best credit manager at IIFL across Gujarat, based on productivity, along with delinquency.
Personal Information
- Title: Chartered Accountant
- Date of Birth: 11/11/94
- Nationality: Indian
- Marital Status: Single
Languages
- Hindi
- Gujarati
- English
- Hindi
- Gujarati
Timeline
Assistant Vice President
RBL Bank
02.2025 - Current
Area Manager (Credit Initiation)
Standard Chartered Bank
09.2023 - 02.2025
Credit Manager (E3) - Unsecured Business Loans
HDFC Bank Limited
12.2021 - 09.2023
Branch Credit Manager ( Home and Mortgage Loan)
India Infoline Housing Finance Limited (IIFL)
09.2018 - 12.2021
Intern
M/s Pankaj R Shah & Associates, Chartered Accountants
02.2014 - 02.2017
Bachelor of Commerce -
Ahmedabad University ( H L College of Commerce)
04.2012 - 03.2015
Masters - Finance and Taxation
IGNOU
Chartered Accountant -
Institute of Chartered Accountants of India