Sudhanshu Sharma

• Handled two lending products - Business Loans and Loan Against Securities from credit risk and portfolio monitoring standpoint, ensuring performance, policy compliance, and risk control implementation.
• Led the development, implementation, and periodic review of credit risk models and associated frameworks in unsecured lending, in close coordination with the data science team.
• Conducted regular portfolio reviews across multiple risk metrics, identifying early warning signals and analyzing delinquency trends to maintain asset quality.
• Reviewed and updated risk policies and credit frameworks, ensuring they reflect changing market conditions, regulatory updates, and internal risk thresholds.
• Analyzed industry trends, and internal performance data to prepare detailed MIS, dashboards, and management updates.
• Reviewed existing processes for policy adherence, assessed risk control effectiveness, and ensured robust governance.
• Coordinated with Credit, Product, Business, IT and Data Science teams to enhance the risk framework and resolve process gaps.
• Delivered key risk projects such as: Portfolio Level Risk Triggers, GNPA Analysis, EOT Loss projection, and Guarantee scheme monitoring.

Project: Cost of Acquisition Analysis

• Worked in Construction Equipment Loan and Commercial Vehicle Loan
• Conducted year-on-year Cost of acquisition analysis to identify trends, variances, and underlying drivers impacting acquisition costs.
• Compared historical data to evaluate channel efficiency, highlight cost leakages, and derive insights for optimizing customer acquisition spend.
• Delivered a structured report with actionable recommendations to support cost control and financial efficiency initiatives.

• Relationship building to drive growth with customers and distributors.
• Managed 15+ products, exceeding sales targets collaboratively.
• Reviewed and optimized sales strategies with Sales Managers.
• Maintained comprehensive records for improved customer retention.