Charchil Agrawal
Digital Banking Consultant Agri & Commodity Finance @HDFC Bank
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WORK HISTORY
Digital Banking Consultant Agri & Commodity Finance @HDFC Bank
Jaipur, IN
Driving digital transformation in Agri-commodity finance, managing a ₹1400+ Cr portfolio to streamline operations and enhance efficiency. Designed and implemented automated credit underwriting workflows, reducing turnaround time by 30% and enhancing audit compliance. Collaborated with IT and policy teams to digitize credit templates, integrate rule-based sanction logic, and enable system-led financial validations. Developed real-time MIS dashboards for portfolio monitoring, enabling early risk detection and data-driven decision-making. Project Lead – BPM Automation of Warehousing Finance: Delivered full-scale digitization of sanction workflows with approval hierarchies, audit trails, and process escalations. Project Lead – Digital Underwriting for Agri-Finance: Built a no-code underwriting platform with embedded borrower scoring, real-time validations, and standardized proposal formats. Positioned as a key enabler of tech-driven lending solutions, translating domain expertise into scalable digital systems.
EDUCATION
University of Agricultural Sciences, Dharwad
B.Sc Agriculture
National Institute of Agricultural Marketing (NIAM), Jaipur
PGDM-ABM, Agribusiness management
ABOUT CHARCHIL AGRAWAL
Digital Banking Consultant | BPM & Underwriting Automation | Fintech | Agri & Commodity Finance
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