Nikhil Sharma

Experience

• 

  K Serve Pvt. Ltd.

  Feb 2014 - May 2014

  Internship
• 

  Centre for Monitoring Indian Economy

  Jan 2015 - Jul 2016

  Business Executive

  • Client Acquisition and maintaining client relationship.• Responsible for Lead generation & converting prospects customers.• Responsible for growing the business & increasing profitability of the company.• Visualize a value proposition for clients based on the client's requirements.• Understand this space to be able to provide the best possible service to our clients.• Interactions with product team would be essential in building this capability.• Innovation in selling techniques.• Communicate with the product teams, details regarding their interactions with the clients and the intelligence they gather in the process of their various interactions in the market.• Following up on payments and ensuring that targets are met or exceeded and payments do come in time Show less

• 

  HDFC Bank

  Aug 2016 - Mar 2019

  Manager

  • • Sanctioning Loans according to Policy Framework.• Periodic Credit reviews of existing customers.• Assessment of the creditworthiness of potential customer.• Meeting External Vendor i.e. SMC, GKC & Survin a giving trainings to the field executives to be careful on certain triggers • Visits to data processing agencies i.e. RPC & CCPA whose work is to carefully monitor file processing and storage• Decisioning the Loans instantly by reviewing Customer Profile.• Handling Two Products simultaneously – Auto Loan, Personal Loan• Keeping PAR (Post Approval Review) to Zero.• Deep Diving into Customer’s Profile and analyzing all the important key aspects of Customer profile.• Working on delinquent Customer’s and getting money from them and resolving the X and 30+ bucket.• If needed, going on field to Applicant Home and explaining them and getting EMI• PAR Check of colleagues to bring down PAR to minimal value Show less

• 

  Tata Capital

  Mar 2019 - now

  Credit Manager

  • Credit Underwriting of Personal Loans and Salary Overdrafts.• Personal discussion with Clients at business place to judge the scale of business and the industry and enhancing their business.• Channel visits and branch visits for soft approval of cases to boost up the business. • Hind sighting exposure of retail loans.• Training new credit managers with team of six to lay down with policy and process of bank• Driving the New Process at DSA to improve TAT and login the file at Aggregator and giving decision on same day. • To interact with other functions such as Sales, Collections, CPU, Policy, Product etc in ensuring a smooth day to day functioning at the location• Coordination with Risk, Fraud Control and other teams of the organization.• Credit line control and process functioning of the organization. • CPA’s management and team leading.• SOX Audit compliances and reporting of errors. • Handling FI for DELHI for my vertical and coordinating with agency to get timely reports Show less