Sunil Yadav
Jaipur
Summary
Dynamic and adaptable professional with a strong foundation in credit underwriting, financial analysis, and risk assessment. Demonstrates proficiency in Microsoft Office Suite, Finone, LMS, and SAP to enhance portfolio management and compliance oversight. Known for effective communication, decision-making skills, and the ability to work independently or as part of a team. Committed to continuous learning and thriving under pressure to meet deadlines while maintaining a positive attitude. Aspires to leverage expertise in financial services to drive strategic growth and innovation within the industry.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Manager Gr. Credit Manager
DCB Bank Ltd.
Jaipur
09.2023 - Current
- Handling credit underwriting for Home Loan (HL) and Loan against Property (LAP) cases with ticket size above Rs 25.0 lakh, strictly as per DCB Bank credit policy.
- Managing end-to-end credit process: case login, detailed appraisal, sanction recommendation, approval coordination, and disbursement support.
- Conducting borrower assessment including income evaluation (salaried & self-employed), banking analysis, FOIR/DSCR assessment, and repayment capacity analysis.
- Performing financial analysis for self-employed borrowers including ITRs, audited financials, cash flows, and business stability assessment.
- Reviewing property collateral, legal due diligence reports, title search, and technical valuation for HL and LAP loans.
- Ensuring compliance with banking norms, internal credit policy, RBI guidelines, and audit requirements.
- Coordinating with sales, operations, legal, technical, and disbursement teams for timely and compliant processing.
- Handling deviation proposals, preparing credit notes, and presenting cases to appropriate sanctioning authorities / credit committee.
- Monitoring post-disbursement documentation, early delinquency indicators, and portfolio quality in coordination with collections.
- Maintaining strong focus on risk mitigation, asset quality, and TAT improvement.
Credit Manager-SME/LAP/ML
Mahindra & Mahindra Financial Services
Delhi NCR
09.2022 - 09.2023
- Managed end-to-end credit underwriting for SME secured lending including Loan Against Property (LAP) and (ML) as per company credit policy.
- Independently handled complete credit operations: case login, appraisal, sanction recommendation, approval coordination, and disbursement.
- LAP underwriting exposure: Rs40.0 lakh to Rs 25.0 crore-ticket size.
- ML underwriting exposure: Rs25.0 lakh to Rs7.0 crore-ticket size.
- Conducted detailed financial analysis including ITRs, audited balance sheets, P&L, cash flow, and banking analysis for SME customers.
- Evaluated business viability, industry risk, promoter profile, and repayment capacity.
- Reviewed property collateral, legal due diligence, title search, and technical valuation reports for secured lending.
- Handled credit operations (Credit Ops) independently ensuring documentation accuracy, policy compliance, and timely disbursement.
- Led and managed a team of 3 members (2 CRMs + 1 Operations executive); all reported directly to me.
- Assigned work, performed quality checks, controlled TAT, and ensured smooth coordination between sales, legal, technical, and operations teams.
- Monitored portfolio performance, early delinquencies, and risk indicators in coordination with collections.
- Prepared credit notes, deviation justifications, and case presentations for higher-authority approvals where required.
- Ensured compliance with internal credit policy, audit requirements, and risk governance standards.
Branch Credit Manager
HDB FINANCIAL SERVICES
Jaipur
01.2019 - 09.2022
- Managed end-to-end credit underwriting for secured loan products including LAP / Mortgage / MSME secured loans.
- Held sanctioning authority as per company credit policy and independently approved cases within delegated limits.
- Conducted financial analysis of borrowers including ITR, balance sheet, P&L, cash flow assessment, and banking analysis.
- Evaluated property documents, legal and technical reports, and ensured compliance with internal and regulatory guidelines.
- Handled complete loan processing cycle: login, credit appraisal, sanction, disbursement coordination, and post-disbursement monitoring.
- Maintained and monitored portfolio quality, delinquency trends, and early warning signals to control NPAs.
- Worked closely with collection and recovery teams; collections team reported directly to me for portfolio performance and resolution strategy.
- Reviewed deviation proposals, prepared credit notes, and presented cases to senior management / credit committee when required.
- Coordinated with sales, operations, legal, technical, and collection teams to ensure smooth and timely loan processing.
- Ensured adherence to credit policy, risk guidelines, and audit requirements.
- Achieved consistent TAT improvement and maintained healthy asset quality across the portfolio.
- Team size is 2 CRM and collection team which is report to me.
Management Trainee
HDB FINANCIAL SERVICES
Jodhpur
06.2018 - 12.2018
- Preparing Credit Approval Memo Financial Sheets preparation & Analysis.
- Arrangement of credit supporting Documents for case approval.
- Coordination with regional level credit team for data management and support.
- Coordination with support staff for approval of case within TAT & disbursements.
- Vendor management for legal and technical & MIS management.
Associate (2 month MBA internship)
POWER GRID CORPORATION OF INDIA LTD.
Chandigarh
06.2017 - 07.2017
- Involved in analysis of financial data, SAP accounting and financial transactions.
- Receivable & Vendor Management Accounting in Payroll department Preparation of Financial Data for banking finance arrangement.
Education
FRM - Finance
IIM
Vishakhapatm 01.2025
M.Com - Accounting honors
JNVU
01.2020
MBA - Finance & Marketing
Gian Jyoti institute of Management
01.2018
B.Com - Commerce
Rajasthan University
01.2016
H.S.S.C - Commerce
RBSE
01.2013
S.S.C - School
RBSE
01.2011
Skills
- Microsoft Office (MS-Word, MS-Excel, MS-PowerPoint,Finone,LMS,Sap)
- Zeal to continuously learn
- Able to work independently
- Efficient team player
- Flexible to new environment
- Keen to learn new concepts
- Able to prioritize work effectively
- Work under pressure to meet deadlines
- Credit underwriting
- Financial analysis
- Risk assessment
- Compliance management
- Portfolio management
- Effective communication
- Decision making
- Time-management
- Positive attitude
- Profit and Loss Analysis
- Financial Forecasting
- Customer relationship management
Languages
English
Hindi
Hobbies and Interests
- Playing cricket
- Watching movies
- Listening music
- Travelling
Interests
Debates participant, Regular participant in debates since school 2017-03-01, 2017-03-31, Fashion Show Prize, Won 2nd prize in FASHION SHOW in “Pratibha- 2017”, a youth festival of GJIMT Mohali Tap B Plan Competition, Participated in tap b plan competition held on conduct by tie con and IKG PTU Workshop on Leadership and Motivation, Attended 2 days’ workshop on leadership and motivation at GjGi, Banur.
Always learning new things.
Certification
- Certification in Analyzing and viualizing data with excel.
- Certification in Microsoft Excel.
- certification in financial and institutions and markets.
- Certification in digital marketing and foundation English.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Manager Gr. Credit Manager
DCB Bank Ltd.
09.2023 - Current
Credit Manager-SME/LAP/ML
Mahindra & Mahindra Financial Services
09.2022 - 09.2023
Branch Credit Manager
HDB FINANCIAL SERVICES
01.2019 - 09.2022
Management Trainee
HDB FINANCIAL SERVICES
06.2018 - 12.2018
Associate (2 month MBA internship)
POWER GRID CORPORATION OF INDIA LTD.
06.2017 - 07.2017
FRM - Finance
IIM
M.Com - Accounting honors
JNVU
MBA - Finance & Marketing
Gian Jyoti institute of Management
B.Com - Commerce
Rajasthan University
H.S.S.C - Commerce
RBSE
S.S.C - School
RBSE