Hariom Bharti
Credit Manager at Utkarsh Small Finance Bank, Ex Hinduja Housing Finance Ltd, Ex Centrum Housing Finance Ltd, Ex HDFC Ltd, Credit Analyst, Finance professional, Mortgage underwriting
- Role
- Credit Manager at Utkarsh Small Finance Bank
- Location
- Haridwar, UK, IN
- LinkedIn followers
- 500 followers
About Hariom Bharti
Credit Manager - Utkarsh Small Finance Bank || Ex Hinduja Housing Finance Ltd || Ex…
Experience
Credit Manager
Mar 2025 — Present · Haridwar, IN
Analyze financial documents, credit reports, and background information of applicants to determine loan eligibility.• Recommend loan applications based on risk assessment and credit policy guidelines.• Ensure compliance with internal credit policies and external regulatory norms (RBI, NHB, etc.).• Identify, evaluate, and mitigate credit risks across portfolios.• Conduct PDs with applicants to understand income stability, intent to repay, and overall credit behavior.• Oversee or conduct field visits to validate customer details.• Review KYC, income proofs, property documents, and other necessary paperwork before loan sanction.• Regularly review existing borrower accounts for early warning signs of default or fraud.• Mentor credit officer and ensure team adherence to credit norms and quality benchmarks.
Education
Hemwati Nandan Bahuguna Garhwal University
Master of Business Administration, Human Resources Management/Personnel Administration, General
2016 — 2018
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