Gaurav Agarwal
Credit Manager @Kotak Mahindra Bank
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WORK HISTORY
Credit Manager @Kotak Mahindra Bank
New Delhi, IN
Spearhead underwriting of high-value auto loans exceeding ₹50 lakh, ensuring rigorous financial scrutiny and optimal risk management aligned with business goals.• Process and underwrite 50+ loan applications monthly, managing the complete deal cycle for large ticket sizes and consistently exceeding performance benchmarks.• Conduct detailed financial, company, and credit research analysis, including ratio, free cash flow, and projection assessments. Perform industry and shareholding pattern analyses to evaluate business stability and lending risk.• Prepare concise credit risk assessment notes with actionable recommendations, enabling swift and informed approvals.• Execute on-site due diligence through visits, interviews, and net worth analyses to strengthen risk validation.• Implement branch strategies that reduced delinquency in loan portfolios (≤12 months), surpassing regional targets.• Lead, train, and motivate a team of 4 underwriters and 9 CPAs, optimizing branch workflow and ensuring compliance.• Collaborate with sales, collections, legal, and operations teams to enhance credit delivery, reduce turnaround times, and elevate client experience.• Monitor and manage loan portfolios for early risk indicators, applying mitigation strategies to minimize potential losses.• Partner with the Salesforce team to automate credit management processes, improving workflow efficiency and data accuracy.• Prepare comprehensive MIS reports for branch and regional management, enabling data-driven decision-making and executive presentations.• Coordinate with external vendors for seamless service delivery and adherence to organizational standards.• Deliver regular training sessions on risk assessment, compliance, and client engagement best practices.
EDUCATION
FACULTY OF LAW, BANARAS HINDU UNIVERSITY
Post Graduate Diploma in Tax Management, Taxation
Delhi University
BACHELOR'S OF COMMERCE, Business/Commerce, General
Fortune Institute of International Business
PGDM, Finance, General
ABOUT GAURAV AGARWAL
Dynamic financial professional with expertise in commercial lending, credit risk…
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