#OpentoWork 1 month Notice Period, 9+Yrs of Credit Underwriting Experience -Resume- Kshitiz Bhardwaj

[Kshitiz Bhardwaj]

Dear Mam/Sir,

Kindly help me in navigating for a suitable role basis my profile. Thanks in advance.

I am currently based out in Chandigarh & is also Open for Relocation ; writing to express my interest in the Senior Manager & above, Senior Manager/ ACM/ AVP / Policy - Team leading Role . With a strong background in credit underwriting, risk monitoring, team management, and delinquency control & having rich experience in Credit Underwriting for Unsecured Business Loans / SEP Loans / Personal Loans, I believe that my skills and experience would be a valuable addition.

I have expertise in:

1. Team Handling of Credit Managers

2. Handling audit activities for locations.

3. Closely working with ACM & RCM to meet deadlines , TTD & Portfolio Monitoring.

4. Vendor & People Management for RPC, CPV Agencies

5. DSA Reviews

6. Sales Managers/ BDRs Trainings on a regular basis.

I have received several recognitions for Identifying fraud txn, meeting best TAT & Portfolio, delivering out of the box customer experience to Customers’ especially in high value loans.

In my previous role as a Senior Manager-Credit Underwriter for a leading Bank- HDFC Bank Ltd for 9yrs, I successfully managed a portfolio of unsecured loans while ensuring adherence to risk management policies. I consistently achieved high-quality underwriting decisions by analyzing creditworthiness, assessing risk factors, and implementing effective risk mitigation strategies.

Prior to that, I was employed with India's Leading Insurer- ICICI Lombard GIC Ltd as Corporate Underwriter for Large sum insured risk proposals.

Furthermore, my expertise in team management has allowed me to effectively lead and motivate cross-functional teams towards achieving departmental goals. I have a proven track record of building cohesive teams, providing guidance and support to team members, and fostering a positive work environment that encourages collaboration and professional growth.

Additionally, my strong background in delinquency control has enabled me to implement proactive measures to minimize loan defaults and mitigate potential risks. Through the implementation of robust regular monitoring practices and effective communication channels with customers, I have successfully reduced delinquency rates.

I am confident that my skills in credit underwriting unsecured loans, risk monitoring, team management, and delinquency control will enable me to excel in the AVP / ACM / Policy- Team leading Role at your organization. I am eager to contribute my expertise towards driving operational efficiency, enhancing customer satisfaction levels, and achieving business objectives.

Thank you for considering my application. I would welcome the opportunity to discuss how my skills align  further. Please find attached my resume for your review.

Thanks & Regards

Kshitiz Bhardwaj
+91-9587778647