Tushar Bhadane
MBA Finance
Pune,MH
Summary
A Seasoned Banker with 18+ years of productive and varied experience in Credit Underwriting, Operations, New Product Development both in secured and unsecured retail lending products. Expertise in Mortgage business lending and Team management, Rich underwriting knowledge in products like Home Loan, Loan Against Property, Personal Loans and Construction Finance, also hold strong skills in building business from inception stage and setup of Credit, Operation function.
Key Strength:
Credit Underwriting-Secured and Unsecured Products.
Risk Management.
Strong Market and Product Knowledge.
Team management.
Setup, build and develop quality team.
Product and Business Development.
Overview
19
19
years of professional experience
Work History
Zonal Credit Manager
Shubham Housing Development Finance Company Ltd.
01.2022 - Current
- Responsible for underwriting and decision-making of home loan and LAP cases in Maharashtra. Earlier, I was taking care of Gujarat too.
- Responsible for underwriting construction finance cases of West.
- Heading 31 Branches and 5 Regions.
- The main objective is to do quality underwriting, which should align with business targets. Maintaining approval ratio, TAT, collections, maintaining productivity of team, audit, and compliances are the key KRA's.
- Ensure to take regular trainings of Credit, Sales, and different verticals for smoother function of business.
- Making a healthy contribution in enhancing business, setting up the policies and processes.
- Regular travel to branches and meet the team for their doubt clearance and grooming them to reach the desired efficiency level.
- Discussion with stakeholders of different verticals for business expansion and growth.
Regional Credit Manager
Equitas Small Finance Bank
08.2019 - 12.2021
- I was responsible for underwriting and decisioning of home loan and LAP cases of Mumbai.
- This assignment was a startup, and I was the core member for setting up the policies and processes.
- I was associated with the bank since inception, hence I have set up the targeted segments and business for the Bank.
Regional Credit Manager
Bajaj Housing Finance LTD.
12.2017 - 07.2019
- I was responsible for underwriting and decisioning of home loan and LAP cases.
- Initially, I handled Maharashtra and Gujarat under the Branch Structure. Later on, I got the responsibility to handle the biggest Hub of Pan India. Under Hub, I used to handle Maharashtra, Gujarat, Tamil Nadu, Karnataka, Kerala, Andhra Pradesh, Telangana, Odisha, and West Bengal.
- I was handling a vertical of Credit, Operations, and Technical teams, and was responsible for maintaining TAT, Approval ratio, and getting involved in internal audit were the major KRA's.
- I was making a healthy contribution in enhancing business, setting up the policy, and processes.
- Regular travel to various locations and meet the Sales team for their doubt clearance and giving training to them for better understanding of products.
Area Credit Manager
Axis Bank
10.2013 - 11.2017
- I was responsible for underwriting and decisioning of home loan, LAP, personal loan, and auto loan.
- I was handling the Nashik and Kolhapur Cluster.
- Main Objective is to do quality underwriting, Maintaining Approval ratio, TAT, maintain productivity of team, Audit and Compliances are the key KRA's.
- Regular travel to branches and meet the team for their doubt clearance and grooming them to reach the desired efficiency level.
Branch Credit Manager
Religare Finvest Ltd
09.2012 - 10.2013
- I was responsible for underwriting LAP and business loan cases for the Nashik Branch.
- Doing PDs and recommending the cases to the concerned authority was my main task.
Branch Credit Manager
HDB Financial Services Ltd.
07.2011 - 09.2012
- I was responsible for underwriting LAP, personal loan, and business loan cases for the Pune branch.
- Doing PDs and recommending the cases to the concerned authority was my main task.
Credit Manager
Kotak Mahindra Bank
03.2007 - 07.2011
- I was responsible for underwriting LAP and personal loan cases for Mumbai and Nashik Branch.
- Doing PDs and recommending the cases to the concerned authority was my main task.
Credit Manager
Fullerton India Credit Company Ltd
09.2006 - 03.2007
- I was responsible for underwriting LAP and personal loan cases for the Nashik Branch. I was handling SENP cases.
- Doing PDs and recommending the cases to the concerned authority was my main task.
Credit Officer
HSBC Bank
02.2006 - 08.2006
- I was responsible for underwriting personal loan cases for the Pune Branch.
- Doing PDs, closing the deal at the customer's place, getting dockets and documents from the customer's was the main task.
Education
MBA - Accounting And Finance
Pune University
Pune, India 04.2001 -
Master of Commerce - Accounting And Finance
Pune University
Nashik, India 04.2001 -
Bachelor of Commerce - Finance And Accountancy
Maharaja Sayajirao Gaikwad University
Vadodara, India 04.2001 -
Higher Secondary Education -
Kendriya Vidhyalaya
Vadodara, India 04.2001 -
Secondary School Education. -
Kendriya Vidhyalaya
Vadodara, India 04.2001 -
Skills
Friendly, Positive Attitude
Teamwork and Collaboration
Computer Skills
Customer Service
Problem-Solving
Time Management
Flexible and Adaptable
Multitasking
Calm Under Pressure
Organization and Time Management
Supervision and leadership
Timeline
Zonal Credit Manager
Shubham Housing Development Finance Company Ltd.
01.2022 - Current
Regional Credit Manager
Equitas Small Finance Bank
08.2019 - 12.2021
Regional Credit Manager
Bajaj Housing Finance LTD.
12.2017 - 07.2019
Area Credit Manager
Axis Bank
10.2013 - 11.2017
Branch Credit Manager
Religare Finvest Ltd
09.2012 - 10.2013
Branch Credit Manager
HDB Financial Services Ltd.
07.2011 - 09.2012
Credit Manager
Kotak Mahindra Bank
03.2007 - 07.2011
Credit Manager
Fullerton India Credit Company Ltd
09.2006 - 03.2007
Credit Officer
HSBC Bank
02.2006 - 08.2006
MBA - Accounting And Finance
Pune University
04.2001 -
Master of Commerce - Accounting And Finance
Pune University
04.2001 -
Bachelor of Commerce - Finance And Accountancy
Maharaja Sayajirao Gaikwad University
04.2001 -
Higher Secondary Education -
Kendriya Vidhyalaya
04.2001 -
Secondary School Education. -
Kendriya Vidhyalaya
04.2001 -
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