Himanshu D.
Zonal Credit Manager Mortgages (Inclusive Banking) @Equitas Small Finance Bank
Signup · Get unlimited contacts
WORK HISTORY
Zonal Credit Manager Mortgages (Inclusive Banking) @Equitas Small Finance Bank
Chandigarh, IN
Lead zonal credit underwriting and risk oversight for affordable housing and inclusive banking mortgage portfolios across Punjab, Haryana, Himachal Pradesh and Rajasthan• Own credit approval governance, including high-value and board-level proposals, ensuring alignment with institutional risk appetite and regulatory guidelines• Lead and develop a large, multi-layered credit organization comprising cluster credit managers, area credit managers and regional teams• Partner closely with business, risk, legal, technical, collections, and compliance functions to balance portfolio growth with asset quality and governance• Contribute to credit policy formulation, underwriting frameworks, and evaluation processes, aligned with evolving market and regulatory conditions• Maintain portfolio discipline and underwriting consistency through changing economic and credit cycles
EDUCATION
DAV College, Jalandhar
Bachelor’s Degree, Business/Commerce, General
Seventh Day Adventist High School
High School
The Institute of Chartered Accountants of India
CA
The Institute of Chartered Accountants of India
Chartered Accountant, Accounting and Finance
The Institute of Chartered Accountants of India
Chartered Accountant, Tax Law/Taxation
Indian Institute of Banking and Finance
CAIIB, Banking and Financial Support Services
ABOUT HIMANSHU D.
Senior mortgage and credit leader with over 20 years of consistent high performance across leading banks and NBFCs. Deep expertise in mortgages, loan against property (LAP), SME lending, and secured retail credit, with a strong track record of balancing business growth with credit discipline and portfolio quality.Extensive experience leading large, multi-state credit teams, owning approval governance including high-value and board-level proposals, contributing to credit policy formulation, and partnering across business, risk, legal, technical, collections, and compliance functions. Recognized for strong underwriting judgment, people leadership, and the ability to operate effectively across credit cycles and regulatory environments.Open to senior leadership roles in mortgage, retail, SME credit, or enterprise risk, where disciplined growth, strong governance, and sustainable asset quality are critical.CORE COMPETENCIES• Mortgage/SME Credit Underwriting (Secured & Unsecured)• Credit Risk Management & Portfolio Quality• High-Value / Board-Level Credit Approvals• Credit Policy & Governance Frameworks• Delinquency & Stress Account Management• Regulatory & Compliance Alignment• Zonal / Regional Team Leadership• Cross-Functional Stakeholder Management• Credit MIS, Ratio Analysis, Portfolio Monitoring
This profile is compiled from publicly available professional sources. Unifers is not affiliated with or endorsed by LinkedIn. Request removal of this profile.