SHASHANK PRADEEP AGRAWAL

+91-8866433106
shashanksurat@gmail.com
Surat, Gujarat, 395007, India

Profile

Dynamic and results-driven professional with extensive experience in credit underwriting, team leadership, and risk management. Skilled in handling credit approvals with a strong understanding of credit policies and regulatory guidelines. Proven track record in managing credit portfolios across multiple products, ensuring compliance and minimizing risk exposure. Demonstrated expertise in credit assessment, approval processes, and providing strategic input to optimize credit growth while maintaining asset quality. Adept at managing and mentoring teams to drive high performance and ensure seamless credit operations across diverse regions.

KEY SKILLS

Credit Underwriting
Project Management
Credit Risk Assessment
Portfolio Management
Early Warning Signals
NPA/GNPA Monitoring
Legal & Technical Evaluation

Collateral Evaluation
Loan Committee Presentations
Risk-Based Pricing
Cross-Selling Financial Products
Regulatory Compliance
PDD/OTC Management
Credit Scoring Models

Employment History

Cluster Credit Manager , AU Small Finance Bank
May, 2023 - Present
- Managing a working capital portfolio of ₹400 Cr, including large loans up to ₹75 Cr.
- Participating in committee meetings with senior management, including CRO, MD, and Group Heads.
- Overseeing portfolio management for EWS, GNPA, NPA, PDDs, and OTC processes.
- Engaging with HNI customers to provide credit solutions and conduct assessments.
- Handling CC/OD, machine/equipment loans, forex products (PCFC/LC/BG), and non-fund-based products.
- Assessing and monitoring credit risk through detailed analysis of financial statements and cash flow projections.
- Implementing credit monitoring systems to track portfolio performance and ensure timely intervention for stressed assets.
- Conducting due diligence for loan approvals, including financial analysis, risk assessment, and collateral evaluation.
- Collaborating with cross-functional teams to develop customized financial solutions for corporate clients.

Area Credit Manager , Poonawala Fincorp Limited
February, 2023 - May, 2023
- Managed a ₹300 Cr portfolio across Surat, Vapi, and Rajkot, with LAP and DLOD loans up to ₹30 Cr.
- Handled credit cases across the entire Gujarat region, focusing on portfolio management and risk mitigation.
- Applied legal and technical knowledge in evaluating loan applications and managing risks.
- Led efforts to identify early warning signals (EWS) in the portfolio, minimizing potential NPAs.
- Enhanced loan underwriting standards by integrating advanced credit risk assessment tools.
- Supported cross-selling of financial products to existing clients to enhance revenue.

Credit Manager , Axis Bank Limited
November, 2021 - January, 2023
- Managed a portfolio of ₹800 Cr, focusing on working capital, LAP, DLOD, and HLOD loans.
- Evaluated creditworthiness and ensured compliance with regulatory and bank policies.
- Oversaw credit assessments for loans up to ₹30 Cr across Surat, Vapi, and Rajkot.
- Spearheaded efforts to maintain healthy portfolio performance with a focus on reducing overdue loans.
- Implemented credit policies for riskier sectors, ensuring robust credit checks and due diligence.
- Coordinated with the legal team to ensure smooth handling of distressed assets and NPA cases.
- Worked closely with sales teams to ensure a balanced approach between risk and business growth.
- Ensured adherence to RBI guidelines and internal bank policies during the loan approval process.

Area Credit Manager , RBL Bank Limited
October, 2019 - November, 2020
- Managed an unsecured business loan portfolio of ₹80-100 Cr in South Gujarat.
- Oversaw credit operations for business loans and loans to professionals across Surat, Vapi, and Rajkot.
- Handled the credit portfolio in South Gujarat, including areas like Ankleshwar, Vadodara, and Rajkot.
- Conducted risk-based pricing for unsecured business loans, ensuring competitive yet safe lending.
- Led credit committee discussions to present high-risk loan cases for senior management approval.
- Monitored post-disbursement conditions, ensuring compliance with loan covenants.
- Managed credit underwriting for new product offerings, including loans for SMEs and professionals.
- Worked on improving the credit appraisal process to shorten the loan turnaround time.

Senior Credit Manager , Kotak Mahinda Bank Limited
November, 2017 - September, 2019
- Managed a portfolio of ₹500 Cr in unsecured business loans and professional loans across Surat and Vapi.
- Conducted credit evaluations for loans with ticket sizes up to ₹1.50 Cr.
- Provided risk assessments and portfolio management for unsecured loans.
- Developed credit evaluation frameworks for high-risk customers, minimizing defaults.
- Monitored key credit metrics and trends in the unsecured loan segment to adjust risk strategies.
- Engaged in customer visits to assess on-ground business performance before disbursing large loans.
- Provided training and support to junior credit managers on risk assessment and portfolio management.
- Reviewed credit terms for non-standard loan agreements to ensure consistency with bank policies.

Credit Manager , HDFC Bank Limited
January, 2015 - November, 2017
- Managed a large portfolio of ₹1000 Cr, including business loans, loans to professionals, and personal loans.
- Oversaw unsecured business loans with ticket sizes up to ₹50 lacs across Surat and Vapi.
- Performed credit assessments and monitored loan performance to mitigate risks.
- Led efforts to restructure loans for struggling businesses, minimizing losses for the bank.
- Established strong relationships with external auditors and credit rating agencies for portfolio reviews.
- Initiated credit stress testing for high-value loan segments, assessing portfolio resilience.
- Analyzed market trends and competitor activities to enhance loan product offerings.
- Implemented new credit scoring models to improve risk assessment and loan approval accuracy.

Internship , Banthia Consultancy & Asawa Gupta Associates
August, 2010 - December, 2014
- Assisted in preparing and filing income tax returns for individual and corporate clients.
- Supported in statutory and internal audits, conducting vouching and verification of financial records.
- Prepared financial statements in compliance with accounting standards for audit purposes.
- Conducted bank reconciliations and assisted with the review of general ledger accounts.
- Assisted in GST, VAT, and other tax compliance processes, including return filing.

Education

Professional Degree in Chartered Accountancy
The Institute of Chartered Accountants of India, 2014

Bachelor degree in Commerce
Veer Narmad South Gujarat University, 2011

Languages

Skills

Interest and Hobbies

Volleyball, Badminton & Chess

Basic Details

Gender
Male
Date of Birth
1990-09-05
Relationship
Married