Summary
Overview
Work History
Education
Skills
Websites
Hobbies and Interests
Languages
Timeline
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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
10.2016 - 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
02.2015 - 04.2016
  • Reviewed home loan documents, MIS tracking, and approval liaison
  • Resolved discrepancies and generated dashboards

Quality Operator

Datamatics
11.2011 - 04.2014
  • Managed quality checks and supervised document compliance

Analyst

Eclerx
08.2010 - 09.2011
  • Supported APAC clients in credit operations, billing, and reconciliation

Unit Manager

ICICI Prudential Life Insurance
05.2009 - 08.2010
  • 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
10.2016 - Current

Credit Coordinator

IndusInd Bank
02.2015 - 04.2016

Quality Operator

Datamatics
11.2011 - 04.2014

Analyst

Eclerx
08.2010 - 09.2011

Unit Manager

ICICI Prudential Life Insurance
05.2009 - 08.2010

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)
Shweta Pandey