Subhangi Sharma

Professional Summary

Subhangi Sharma is a seasoned Credit Manager with extensive experience in the banking and financial services industry. She currently serves as the Credit Manager at HDFC Bank, where she is responsible for managing the credit portfolio, assessing risk, and ensuring the bank's lending practices are aligned with industry regulations and best practices.

Professional Experience

Current Role

Credit Manager, HDFC Bank (June 2022 - Present)

• Oversee the credit approval process for various loan products, including personal loans, business loans, and mortgages

• Analyze financial statements, credit reports, and other relevant data to assess the creditworthiness of applicants

• Develop and implement credit policies and procedures to mitigate risk and optimize the bank's lending portfolio

• Collaborate with cross-functional teams to ensure seamless credit application processing and customer service

• Regularly monitor the credit portfolio and identify areas for improvement to enhance the bank's overall financial performance

Career Progression

Business Loans Group Relationship Manager, ICICI Bank (March 2021 - May 2022)

• Managed a portfolio of small and medium-sized business clients, providing tailored financial solutions and advisory services

• Developed strong relationships with clients, understanding their unique business needs and challenges

• Proactively identified growth opportunities and cross-selling potential to expand the bank's customer base

Equity Research Analyst, Profit Idea (December 2020 - January 2021)

• Conducted in-depth financial analysis and market research to provide investment recommendations for various sectors

• Collaborated with the research team to generate insightful reports and investment strategies

Research Analyst, Tradions: Your Private Analyst (October 2020 - November 2020)

• Analyzed financial data, market trends, and industry dynamics to support the firm's investment advisory services

• Contributed to the development of research reports and investment recommendations for clients

Education

Master of Business Administration (MBA), Finance
University of Bhubaneshwar, Odisha, India

Areas of Expertise

• Credit risk assessment and portfolio management

• Financial analysis and modeling

• Regulatory compliance and policy development

• Client relationship management and business development

• Cross-functional collaboration and teamwork

Professional Impact

• Developed and implemented innovative credit assessment strategies that resulted in a 15% reduction in the bank's non-performing loan ratio

• Recognized for exceptional customer service, receiving multiple commendations from clients for her proactive and personalized approach

• Actively participated in industry forums and conferences, sharing insights on emerging credit management trends and best practices

Conclusion

Subhangi Sharma is a highly skilled Credit Manager with a proven track record of driving financial performance and enhancing customer satisfaction in the banking industry. Her strategic acumen, analytical prowess, and strong client relationships make her a valuable asset to HDFC Bank as it continues to expand its credit offerings and maintain a healthy, risk-managed portfolio.