Harsh Pandit

About Harsh Pandit

Results-driven banking professional with 5+ years of expertise in operations management, credit appraisal, loan processing, and customer relationship management. I specialize in portfolio growth, compliance, and risk assessment, consistently driving business expansion and delivering superior client satisfaction in competitive financial environments.I am passionate about strategic decision-making, performance management, and team leadership, ensuring operational excellence while achieving sales and revenue targets. Recognized as a Top Performer for outstanding contributions in rural banking operations, I thrive in challenging roles that demand precision, accountability, and growth-oriented strategies.Keywords for visibility: Banking Operations, Credit Appraisal, Loan Processing, Risk Assessment, Portfolio Management, Compliance, Customer Relationship Management, Business Development, Cross-Selling, Sales Planning, ERP, Rural Banking.

Experience

1. Relationship Manager

   HDFC Bank Limited

   Sep 2022 — Present

   Manage credit operations, loan disbursement, and portfolio growth in the Rural Business Group (RBG).Handle diverse loan products including CC, OD, Term Loans, CGTMSE, secured & unsecured loans.Ensure documentation compliance (LAD, CAM, legal, valuation, TSR, deferral closure).Prevent account limit drops through proactive monitoring and customer engagement.Drive cross-selling of CASA, FD, RD, insurance, and retail loans to enhance revenue streams.Achieve consistent business targets through strategic sales planning and execution.Collaborate with teams to ensure smooth operations and superior customer satisfaction.

Education

• Guru Nanak Dev University, Amritsar

  B.Sc. (Non-Medical)

• Lovely Professional University (LPU)

  Master of Business Administration - MBA, Banking, Corporate, Finance, and Securities Law

• PSEB

  10th

• PSEB

  12th (Non-Medical)

• MGN College of Education, Jalandhar

  B.Ed. (Education)