Ramesh Sharma

Experience

• 

  Next Retail Pvt. Ltd

  May 2008 - Sept 2008

  Customer Sales Executive

  Four months i.e. 1st may 2008 to 4th sept. 2008

• 

  Bigflix

  May 2009 - Jul 2009

  Marketing and Promoting
• 

  Stillwater maketing solution pvt. ltd.

  Nov 2010 - Apr 2013

  Sales Manager

  Brand development, web site traffic growth, and advertising revenue.Develop brand strategy and statistics systems.Strategic Consulting, including business plan & sales strategy

• 

  Axis Bank Ltd.

  May 2013 - Aug 2016

  Credit Manager

  Credit Analysis, Operations, MIS preparations, KYC compliance, making & implementing sales strategies, Team Handling

• 

  HDFC Bank

  Sept 2016 - Sept 2017

  Credit Manager

  Currently working as Credit Manager Retail Credit (unsecure loans) in HDFC BankUnderwriting cases by checking applicants income, repayments tracks Scrutinizing files as per RBI/KYC defined Guidelines Using different debt/asset management, liquidity and profitability ratios to check customers eligibility Credit Appraisal of Loan application as per Bank Credit Policy Norms within TATAppraising loan application by checking Cibil, internal and external dedupe reportsAppraising loan capturing proper level of deviation Conducting Personal Discussion (PDs) with customer for Premium Loans/High ticket value loansVender Management like co-ordination with CPV (Contact Person Verification).Co-ordination with Sales and operation Show less

• 

  IDFC FIRST Bank

  Sept 2017 - Jun 2021

  Credit Risk Manager

  KEY DELIVERABLES:Evaluating clients credit data and financial statements in order to determine the degree of risk involved in lending.To review applications with credit verifications, financial, technical and legal analysis and sanctioned proposal within given authority limit. Underwrite and analysis & recommended proposals to seniors via preparation of CAMs.Coordinating with Business / Legal / Technical / Other Operational verticals for appropriate clarifications. Coordinates with team members to finish work effectively within TAT.Keeping RCU team update regarding the high profile cases.Conducting personal PDs in all the case with applicant at their office premises.Referring the cases to RCU in case of any suspicions found.Vendor management and conduct all types of training regarding credit, operation and policy / products.Maintaining MIS of property papers and dispatching the same on time to ops team.Preparing MIS of entire west region and distribute the cases among team members.Any other responsibilities entrusted from time to time.Analysing the portfolio of disbursed cases and sharing the updates with seniors.Engaged in monthly meeting with product team for enchantment in process and system. Show less

• 

  YES BANK

  Jun 2021 - Aug 2024

  Product development

  • Assistant Vice President

    Jun 2023 - Aug 2024

  • Product Manager

    Jun 2021 - Jun 2023
• 

  Piramal Capital & Housing Finance Limited

  Aug 2024 - now

  Policy Manager