Deepak Sharma

Experience

• 

  HDFC Limited

  Jun 2016 - May 2023

  In my role as Operations at HDFC Ltd's Nashik Branch, I successfully facilitated loans for over 3000+ customers, tailoring financial solutions to meet their unique needs. I performed in diverse operational functions, including credit appraisals and strategic product suggestions, ensuring alignment with individual profiles and income slabs.Orchestrating final disbursals and partial disbursements, I aligned with client demand while meticulously implementing company policies. Conducting comprehensive loan appraisals, I strategically recommended loans for final sanction approvals, leveraging a deep understanding of evolving customer profiles and product demands.Engaging with both walk-in and online customers, I delivered high-quality service, resolving inquiries satisfactorily. Navigating complex regulatory landscapes, I facilitated pre-payments, scrutinizing credit reports from prominent agencies like CIBIL, Experian, and Highmark to contribute to robust risk management practices.Spearheading business visits for self-employed customers, I conducted meticulous analyses to inform sanctioning decisions. Insightful agriculture visits for rural housing finance products involved preparing comprehensive reports to assess customer income, validate land records, crop productions, and owned assets.Successfully managing interest conversion strategies, I aligned them with changing policies and client requirements, securing necessary approvals. Providing clients with customized statements, including repayment summaries and income tax certificates, showcased my commitment to customer satisfaction.Ensuring compliant and efficient release of title documents post-loan closure, I consistently upheld company policy guidelines. Proactively engaging in continuous learning, participating in influential programs, and delivering impactful presentations to channel partners, I contributed to strategic partnerships and the overall success of the branch's MIS targets. Show less

  • Deputy Manager - Credit Risk Management

    Jun 2019 - May 2023

  • Assistant Manager - Retail lending Operations

    Jun 2016 - May 2019