Summary
Overview
Work History
Education
Skills
Accomplishments
Hobbies and Interests
Timeline
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SHUBHAM BANSAL

CHANDIGARH

Summary

Results-driven and detail-oriented Credit Management Professional with over 9+ years of experience in the banking and financial services sector, specializing in personal loan products. Proven expertise in credit risk assessment, underwriting, team leadership, and regulatory compliance. Adept at driving portfolio growth while minimizing delinquency and default rates. Strong analytical, decision-making, and stakeholder management skills across multi-regional operations.

Overview

10
10
years of professional experience

Work History

Regional Credit Manager, Personal Loans

TATA CAPITAL LTD.
11.2021 - 12.2024
  • Manage credit risk across 7 regions, covering a portfolio of 1200M+
  • Develop and implement credit strategies to minimize losses and improve portfolio quality
  • Lead a team of 9 credit managers, providing guidance and training to ensure excellent credit decisions
  • Collaborate with cross-functional teams, including sales, marketing, and risk management

Senior Risk Manager, Personal Loans

Yes Bank Ltd.
01.2019 - 11.2021
  • Managed a team of 5 credit managers, overseeing credit decisions for personal loan applications
  • Analyzed credit data and developed predictive models to identify high-risk customers
  • Implemented process improvements, resulting in a 25% reduction in credit losses

Credit Manager, Personal Loans

Tata Capital Financial Services Ltd.
03.2017 - 12.2018
  • Evaluated creditworthiness of personal loan applicants, making recommendations for approval or denial
  • Conducted credit investigations and analyzed credit reports to assess risk

Credit Manager, Two Wheeler Loans

Hdfc Bank Ltd.
05.2015 - 03.2017
  • Managed loan processing for around 650 files per month
  • Conducted credit analysis, evaluation, and underwriting for loan disbursement

Education

Master's - Business Administration

Kurukshetra University
01.2013

Bachelor's - Commerce

Kurukshetra University
01.2010

Skills

  • Credit risk management
  • Credit strategy development
  • Team leadership and management
  • Data analysis and modeling
  • Process improvement
  • Excellent communication and interpersonal skills

Accomplishments

  • Best Risk Manager, 2019
  • Highest Cross selling, 2022
  • Powerplay with Shubman Gill (Indian Cricketer), 2024

Hobbies and Interests

  • Hiking and trekking
  • Playing cricket and Snooker
  • Listening to music
  • Cooking

Timeline

Regional Credit Manager, Personal Loans

TATA CAPITAL LTD.
11.2021 - 12.2024

Senior Risk Manager, Personal Loans

Yes Bank Ltd.
01.2019 - 11.2021

Credit Manager, Personal Loans

Tata Capital Financial Services Ltd.
03.2017 - 12.2018

Credit Manager, Two Wheeler Loans

Hdfc Bank Ltd.
05.2015 - 03.2017

Master's - Business Administration

Kurukshetra University

Bachelor's - Commerce

Kurukshetra University

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