Harshal Waghmare

Credit Manager - HDFC .Ex-Samunnati, Ex-BAIF|| ICICI||

Role: Credit Manager -agriculture (Kcc Product) at HDFC Bank
Location: Amravati, MH, IN
LinkedIn followers: 500 followers

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About Harshal Waghmare

I have 2 years of experience in Credit Underwriting Financial Inclusion, Agri Loan,Dairy…

Experience

Credit Manager -agriculture (Kcc Product)
HDFC Bank
Nov 2023 — Present · Yavatmal, IN
Working as an Agriculture Credit Manager at HDFC Bank for the asset division across four districts in Vidarbha (Amravati, Yavatmal, Washim, and parts of Nanded district). Handling various loan portfolios such as Farmer Finance, Agri Term Loan, Kisan Gold Card, Kisan Shakti, Kisan Samruddhi, and many other government schemes related to agriculture finance.Roles and Responsibilities:1. Credit Decision: Responsible for making proactive lending decisions based on the available information of the borrower.2. Assessment: Evaluate income, ability, intent, business sustainability, and credit behavior. Verify all provided documents including land records, ITRs, and other financial statements.3. Risk Identification and Management: Analyze legal and technical reports to identify risks or critical concerns that may affect the proposal.4. Credit Check: Review CIBIL/Highmark, perform internal checks and deduplication, and verify the customer\'s track record with other banks/financers.5. Credit Application Process Management: Oversee the entire credit application process—from analysis to final approval.6. Coordination: Collaborate with legal teams, valuators, and financial institutions for file processing.7. Resolution and Recovery: Coordinate with sales and collections teams to resolve NPAs and reduce delinquency trends.

Contact information

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Current company

HDFC Bank

Banking · 216K employees · Mumbai, Maharashtra, India

HDFC Bank is India's largest private sector bank, offering a comprehensive range of financial products and services to our customer base of over 92 million. Our extensive distribution network of 8,919 branches and 21,031 ATMs across 3,836 cities and towns as of August 2024, reaches every corner of the country, making us accessible to millions. Promoted by Housing Development Finance Corporation (HDFC), India's leading housing finance company, HDFC Bank began operations in 1995 with a simple mission: to be a "World-class Indian Bank". With a single-minded focus on product leadership, customer focus and operational excellence, we have emerged as a leading player in all our business segments. We cater to individuals and businesses, offering a full range of innovative banking solutions including loans, payments, and wealth management. Our business solutions empower companies of all sizes, from MSMEs to large corporations, helping them grow with tailored banking services and financial tools. In 2023, the Bank merged with HDFC Ltd, combining our robust banking services with HDFC Ltd's legacy of leadership in housing finance. This merger enhances our ability to offer home loans and other financial services, ensuring seamless access for customers across urban and rural areas. As a socially responsible corporate citizen, we believe in banking with a purpose. Through our CSR initiative, Parivartan, we actively work to drive positive change across education, healthcare, skills training, and sustainable livelihoods impacting over 10 crore lives across the country. Our commitment to community impact is as strong as our dedication to delivering value to our stakeholders. As we expand, we continue to stay at the forefront of innovation, offering seamless digital banking experiences to enhance the lives of our customers. HDFC Bank prioritises the security of its systems and remains committed to maintaining the confidentiality of its customers' data. As a precaution

hdfc.bank.in

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About Harshal Waghmare

Experience

Credit Manager -agriculture (Kcc Product)

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