Shweta Pandey
Nashik
Summary
Experienced Credit Manager with over 10 years of expertise in credit assessment, loan processing, and risk evaluation within the retail banking and financial services sectors. Skilled in underwriting high-value home loan portfolios, managing credit operations, and implementing credit policies. Adept at evaluating customer creditworthiness, conducting personal discussions (PDs), and negotiating loan terms. Proven ability to lead cross-functional teams, monitor loan repayment cycles, and ensure compliance with credit frameworks and regulatory norms.
Overview
16
16
years of professional experience
Work History
Asst. Credit Manager
HDFC Sales
2016.10 - Current
- Evaluate creditworthiness of salaried/self-employed clients for high-ticket loans (up to Rs. 8 Cr)
- Conduct PDs and prepare detailed appraisal notes and credit decisions
- Lead team coordination with legal, technical & sales teams
- Ensure policy compliance and conduct audits
Credit Coordinator
IndusInd Bank
2015.02 - 2016.04
- Reviewed home loan documents, MIS tracking, and approval liaison
- Resolved discrepancies and generated dashboards
Quality Operator
Datamatics
2011.11 - 2014.04
- Managed quality checks and supervised document compliance
Analyst
Eclerx
2010.08 - 2011.09
- Supported APAC clients in credit operations, billing, and reconciliation
Unit Manager
ICICI Prudential Life Insurance
2009.05 - 2010.08
- Trained advisors, maintained MIS, and ensured IRDA compliance
Education
M.B.A. - HR & Finance
C.V. Raman
01.2017
PGPMI -
S.P. Jain Bhavans Mumbai University
01.2009
Bachelor of Commerce -
Symbiosis, College Pune University
01.2008
H.S.C. -
Kendriya Vidyalaya (CBSE)
Skills
- Credit Assessment & Underwriting
- Home Loan & Mortgage Processing
- Customer Creditworthiness Evaluation
- Loan Approval & Interest Rate Calculation
- Credit Scoring Model Development
- Loan Policy Review & Risk Monitoring
- Customer Profiling & Personal Discussions
- Compliance & Documentation
- MIS Reporting & CRM Tools
- Team Management & Cross-Functional Coordination
- MS Office Suite (Excel, Word, PowerPoint)
- Loan Origination Systems (LOS)
- CRM Tools
- Credit Scoring Models & MIS Generation
Hobbies and Interests
- Adventure Travel
- Hiking
- Reading
Languages
- English (Fluent)
- Hindi (Native)
Timeline
Asst. Credit Manager
HDFC Sales
2016.10 - Current
Credit Coordinator
IndusInd Bank
2015.02 - 2016.04
Quality Operator
Datamatics
2011.11 - 2014.04
Analyst
Eclerx
2010.08 - 2011.09
Unit Manager
ICICI Prudential Life Insurance
2009.05 - 2010.08
M.B.A. - HR & Finance
C.V. Raman
PGPMI -
S.P. Jain Bhavans Mumbai University
Bachelor of Commerce -
Symbiosis, College Pune University
H.S.C. -
Kendriya Vidyalaya (CBSE)