SONAL SHARMA
New Delhi
Summary
- Assistant Manager - Credit with 8+ years of diverse experience at one of India’s leading PSUs, Canara Bank, specializing in MSME and Retail lending, with expertise in credit appraisal, loan processing, risk assessment, and NPA management, ensuring full regulatory compliance. In addition to lending, experienced in branch operations, deposit mobilization, cash management and customer service.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Assistant Manager
Canara Bank
10.2018 - Current
- Ensured end-to-end management of lending activities for MSME (ticket size up to ₹10 Cr) and retail clients, including sourcing, documentation, credit assessment, disbursement, and risk management, in compliance with RBI guidelines, internal bank policies, and KYC/AML norms.
- Achieved 20% YoY growth in the loan-advances portfolio and reduced NPAs by over 15% through early warning signals, proactive customer engagement, and adherence to RBI’s asset classification and provisioning norms.
- Promoted and cross-sold third-party products (insurance, auto loans, mortgages, deposits, and digital banking) to expand the client base and boost fee-based income.
Probationary Officer
Canara Bank
10.2016 - 10.2018
- Managed daily branch operations, including cash handling, account services, clearing, fund transfers, and deposit mobilization, while promoting savings, current, and fixed deposit products to strengthen the liabilities base.
- Ensured strict compliance with RBI norms, KYC/AML requirements, and audit protocols through accurate documentation, reporting, and effective internal controls.
- Monitored loan accounts to identify potential NPAs, supported recovery through legal and negotiated settlements, and delivered customer-focused solutions to enhance satisfaction and retention.
Assistant
Canara Bank
09.2015 - 04.2016
- Handled daily reconciliation of payments, supported in identifying sales opportunities to new business clients.
- Followed detailed directions from management to complete daily banking services.
Education
Master of Science - Mathematics
DAV College, Garhwal University
Dehradun, India01.2015
Bachelor of Science - Mathematics
Lady Shri Ram College, Delhi University
New Delhi, India01.2013
Skills
- Financial Modelling and Valuations
- Credit appraisal and risk
- NPA control & compliance
- Client acquisitions and sales
Certification
- Financial Modelling and Investment Banking, The Wall Street School, 2025
Wherein Performed Company Valuations utilizing
Markets Approach (Relative Valuation – Trading Comps & Deal Comps)
Income Approach (Future Cash Flows - Discounted Cash Flows)
Comfortable with private and public company valuations
Built fully integrated financial statements projection models including ability to run sensitivities within models
Worked on company profiles, sector analysis, competitive benchmarking, industry analysis etc
- Generative AI fundamentals for Data Analysis, Microsoft, 2025
- Certification in Credit Management, IIBF, 2023
- CAIIB: Certified Associate of Indian Institute of Bankers, IIBF, 2021
- JAIIB: Junior Associate of Indian Institute of Bankers, IIBF, 2017
- Certified in Mathematical Modelling and Optimizing using MS Excel, Delhi University, 2013
Timeline
Assistant Manager
Canara Bank
10.2018 - Current
Probationary Officer
Canara Bank
10.2016 - 10.2018
Assistant
Canara Bank
09.2015 - 04.2016
Master of Science - Mathematics
DAV College, Garhwal University
Bachelor of Science - Mathematics
Lady Shri Ram College, Delhi University
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