Gaurav Sharma

Credit & Risk Specialist

Personal Info Summary

gaurav1989007@gmail.com Experienced risk professional with 12+ years of experience in the

919899683684
Delhi/NCR, India
Education
MBA
Indian Institute Of Finance
Apr 2012 - Jun 2014
Bachelor of Commerce
Delhi University
Apr 2007 - Jun 2010
PCC (CA Inter)
Institute Of Chartered
Accountants Of India
Apr 2007 - Mar 2010
Skills
Problem-solving
Interpersonal skills
Communication
Teamwork
Loss Forecasting
Risk Management
retail category. Proven success in leadership, operational excellence
and organizational development with keen understanding of
elements of lending business. Recognized for inspiring management
team members to excel and encouraging creative work environments
with expertise in underwriting and risk management, data analysis,
e ective & analytical decisions.
Work Experience
AVP - Credit & Risk MSME, DMI Finance Pvt. Ltd., New Delhi
March 2022 - Present
Devising the strategy of onward lending to various markets by
assessing the local economic activities
Designing of policy framework for credit dispensation and
underwriting of large ticket proposals along with small retail
loans
Designing end-to-end digital processes based on AI & ML
models, well versed with scorecard building and execution
Portfolio Quality Management, tracking of portfolio movement,
identi cation of risk at segment level basis severity of risk
Regular computation of lagged & co-incidental delinquency
trend
Preparation of lifetime loss tables to understand the aging of
book
Management of stakeholders and partners for quality book
building
Manage P&L responsibilities for the business and mitigate
credit cost & NPA

Leadership AVP Credit, Blue Jay Finlease Limited, New Delhi

June 2018 - March 2022
Underwriting & appraisal of secured and secured business
Languages loans, TAT adherence, nancial analysis basis ratios and cash
ows
Hindi

English
Links Policy formulation and implementation, designing programs to
test new segments, responsible for minimizing fraud risks by
Linkedin
constantly evaluating process gaps and improvising risk policy,
developing new products by analyzing the growth in pipeline,
reviewing existing policies and deploying the changes in
scorecard and credit model
Team management & training new team members
Managing credit & portfolio risk by reviewing delinquency to
reduce the risk of default
Cost bene t analysis of each team member and managing the
P&L for cost center.

Credit Manager, India Infoline Finance Limited, Gurgaon

February 2018 - June 2018
Credit Appraisal of SME loans, machine loans, referring to
performance history along with ratios to assess
creditworthiness in evaluation
Interacting with Customers & understand the business and
regularly monitor delinquencies / infants decision making
within de ned TAT
Managing team and training executives for the process
developments, developed new process ow for smooth le
movement
Coordinating with sales, operations, legal, technical and
customer service
Started a knowledge portal for the credit team for process FAQ
and queries

Senior Manager Credit, Blue Jay Finlease Limited-Ziploan, New Delhi

November 2017 - February 2018
Task assignment by right distribution of load between credit
managers, credit underwriting and appraisal of business loans
Review PD(Client Discussion Meeting) & deferrals every month,
policy recommendations based on PD data analysis and other
market changes
Managing CPA and PD managers, training team members for
policy updates, monitoring the PD process and deploying
changes as per policy, TAT adherence

Branch Credit Manager, Intec Capital Limited, New Delhi

November 2016 - April 2017
Appraisal & underwriting of business loans, machine loans and
loans against property
Managing the entire credit application process right from login
to disbursement, co-ordinate with legal, technical, FI and Risk
containment agencies for processing the le, managing post
disbursement documents and partly disbursed cases
Managing quality of portfolio of branch
Managing and training CPA team

Assistant Manager, Uni ed Credit Solutions Private Limited, Gurgaon

October 2015 - November 2016
Quality check and audit of les for reviewing the errors, sharing
the quality feed to management for policy review
Managing the Dubai team for preparing the business
information reports, training teams on the quality check,
developed process relating to the physical visit to review the
business
Doing research for nding the various sources of business
information data
Underwriting of the invoices (bill discounting & invoice funding)

Analyst, SME Credit, Wipro Limited, New Delhi

August 2014 - October 2015
Analyzing the nancial statements, preparing the credit memo
for overseas clients (North American, Canadian and European
Companies)
Developing the adjusted nancials for Bloomberg analysis tool,
doing research on various tools like Bloomberg, google and
other tools for gathering the information for analysis,
developing models for nancial analysis and assigning credit
limits.

Accounts Assistant, JMD Polymers, Gurgaon

June 2010 - July 2011
Data entry for nancial data in tally, preparing the nancial
statements, invoice generation, passing ledger entries,
reconciliation of bank accounts and vendor accounts
Assisting in audit process, nalization of the books of accounts
Managing the Petty Cash and bank accounts

Articled Assistant, JSVP & Co, Faridabad

October 2007 - March 2010
Assisting the taxation of the clients, doing audits, managing the
TDS and company lling, handling the accounts of the clients,
reviewing the loan proposals and forecasting nancial
statements

Hobbies
Traveling & Listening Music