Prostil Sancheti
Chartered Accountant | Credit & Risk
- Role
- Senior Credit Manager at HDFC Bank
- Location
- Bengaluru, KA, IN
- LinkedIn followers
- 500 followers
Experience
Senior Credit Manager
Feb 2025 — Present · Bengaluru, IN
Portfolio Management:Effectively manage a diverse portfolio of corporate and SME clients, ensuring healthy credit quality, early risk identification, and adherence to internal credit parameters and regulatory guidelines.Sanctioning of Working Capital Cases:Evaluate and sanction working capital facilities including fund-based and non-fund-based limits, based on detailed assessment of borrower requirements, financial strength, and business viability.Financial Analysis:Conduct comprehensive financial analysis of client businesses—reviewing audited financials, ratios, cash flow, and projections—to assess creditworthiness and support lending decisions.CAM Preparation & Closure:Independently prepare and finalize Credit Approval Memos (CAMs), incorporating financial insights, industry assessment, and risk mitigants. Liaise with internal stakeholders to address credit committee queries and ensure timely closure.Reporting & MIS:Maintain and generate regular MIS reports and dashboards for senior management, tracking key portfolio metrics, sanction pipeline, credit turnaround times, and portfolio health indicators.
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