Shubhi Bundela
Indore
Summary
Accomplished Credit Manager specializing in loan underwriting and risk assessment with total 8 years of work experience in various fields of finance including Banking, Financing investment and Capital Market.
Currently associated with HDFC Bank under home loan Credit department looking after loan sanctioning of Self employed, NRI and salaried individuals.
Also, Strategic Credit Manager known for high productivity and efficient task completion. Skilled in risk assessment, financial analysis, and regulatory compliance which ensure sound credit decisions. Excel in negotiation, problem-solving, and leadership, fostering strong relationships with clients and enhancing team performance.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Credit Manager
HDFC Bank ltd.
Indore
08.2022 - Current
- Underwriting and Risk Assesment : To access creditworthiness and access loan applications for employed self employed and HNI individuals .
- Loan Approvals and Rejections : To determine and take decision on credit limits and terms of credits of various loans such as Home loans, LAP, HL equity, Improvement, Top up and extension loan by following internal credit policies, underwriting standards, and applicable regulatory norms and process.
- Personal Discussion and TAT : To interact directly with customers for personal discussion and relation building to ensuring that all files are turned around within an acceptable timeline.
- Team Collaboration: To Coordinate with other departments like legal, technical, fixing, collection and sales and operations to maintain effective operations.
- Collection and Receivables : To follow up with customer on overdue accounts and recover outstanding debts.
- Training and Presentation : To conduct departmental training and presentations on new policies and to partner with sales channel and educating them regarding existing policies and work process.
Relationship Manager
India Infolines Financial Services
Indore
09.2017 - 04.2018
- Processing and Documentation: Identifying, collecting and addressing documents requirements for individuals.
- KYC and Compliance checks : Verifying app's KYC checks and Ensuring Compliances as per company policies
- Fraud Detection and Due Diligence : Screening documents and identifying suspicious customers and escalating as per policy.
- Cross selling and Upselling: Identifying customer's need and offered other banking products like Gold loans Insurance, SIPs, Mutual Funds.
- Customer Relationship : Developed and maintained strong relationships with existing customers.
Research Analyst
Capital-via Global research Ltd
Indore
02.2015 - 01.2017
- Onboarding: Facilitating High Networth Individuals on boarding process and investment account setup.
- Research and Analysis: Performing technical and fundamental analysis and providing trading trading signals.
- Reports and Rationale: Preparation of various market reports
for new papers and online platform like Dainik Jagran, Market Today etc. Created detailed reports and presentations for stakeholder review. - Training and Education: Trained and mentored junior staff. Educated Customers regarding various products and market trends.
Education
Master of Business Administration - Finance And Economics
School of Economics
DAVV, INDORE 07-2015
Bachelor of Commerce - Finance and Business Management
DAVV
INDORE08-2013
Skills
- Leadership
- Risk assessment
- Decision-making
- Customer Relationship Management
- Negotiation and Closures
- Underwriting and stakeholder coordination
- Vendor management
- Multitasking and Process Driven
Certification
Recognized amongst Top 10 Appraisers in One HDFC ( India ) For maximum pulling and Review of files.
Team Champion 2024 : Recognized as Team Champion for year 2024 for achieving maximum number of file sanctioning in team.
Team Champion 2024 : Recognized as Team Champion for year 2024 for achieving maximum number of file sanctioning in team.
Timeline
Credit Manager
HDFC Bank ltd.
08.2022 - Current
Relationship Manager
India Infolines Financial Services
09.2017 - 04.2018
Research Analyst
Capital-via Global research Ltd
02.2015 - 01.2017
Master of Business Administration - Finance And Economics
School of Economics
Bachelor of Commerce - Finance and Business Management
DAVV