Harsh Mehra

About Harsh Mehra

As a Chartered Accountant, I have a strong background in financial analysis and credit management. I have worked as an HDFC Industrial Trainee at HDFC Bank, where I supported senior Relationship Managers in managing high-net-worth client portfolios. I trained under a Relationship Manager, handling proposal drafting, assessment of short-term and long-term facilities, credit rating and ratio analysis, and due diligence of prospective and existing clients. I also attended client meetings and assisted in addressing client inquiries and concerns. Additionally, I evaluated financial statements and credit reports to enhance credit limits for existing clients and assess the creditworthiness of potential borrowers. I am proficient in using Computax, Microsoft Word, and Navison. I am passionate about applying my skills and knowledge to contribute to the success of organizations and help them achieve their financial goals.

Experience

1. Credit Manager

   HDFC Bank

   Aug 2025 — Present · Delhi, IN

   Drafting of credit assessment memorandum (CAM) that includes all necessary covenants, essential formitigating risk to the bank while ensuring compliance with the bank\'s credit policy and optimal product mixthat aligns with customer needs. Managing a book size of Rs 500 Cr and specifically managing the regions of Central Delhi and Old Delhi. Responsible for credit approvals, portfolio quality management, controls and credit processes whilemaintaining turnaround times. Conducting credit underwriting for SME clients with loan amounts ranging from 11 lacs to lacs forboth Working Capital and CAPEX financing. Conducting discussion with customers for understanding of business operations & fund requirements. Performing site visits to factories and warehouses for both existing portfolio clients and new customers. Presentation of cases to senior management and business team for cases with deviations Responsible for M-o-M management of portfolio and managing collection for delinquent accounts Review of portfolio including sensitivity analysis, deferral tracking and management of yearly stock auditof portfolio clients Timely follow-up and regularization of delinquent, Out of order, potential NPA accounts. Providing training to new employees on the overall processes, SOP and credit assessment

Education

• Delhi University

  B. COM (H) , Accounting and Finance

• Institute of Chartered Accountants of India

  Chartered accountant, Account Finance and Taxation

• Bhai parmanand vidya mandir

  Matriculation

• Bharat National Public School

  Higher secondary, Commerce with maths