Manan Aggarwal

About Manan Aggarwal

To strive for excellence in the field of financial risk/credit management role with…

Experience

1. Credit Sbb - Manager

   Axis Bank

   Dec 2023 — Present · Delhi, IN

   Evaluating and underwriting unsecured business loan proposals for SMEs in alignment with internal credit policies and regulatory frameworks. • Conducting in-depth credit and regulatory risk assessments through financial analysis of balance sheets, cash flow, and business performance indicators. • Performing Personal Health Score analysis, along with Critical to Company (CTC), Critical to Business (CTB), and Critical to Regulatory (CTR) validations to assess borrower risk profiles comprehensively. • Collaborating with cross-functional teams—sales, legal, technical, and operations—for seamless loan processing and compliance adherence. • Conducting on-site business evaluations to verify operational models and financial health. • Drafting detailed credit appraisal notes highlighting key risk factors and mitigation strategies to support sound credit decisions. • Actively monitoring portfolio health to identify early warning signals, enforce corrective actions, and maintain asset quality. • Visiting DSAs, third-party vendors, and conducting field visits for collections and compliance verification.

Education

• ICFAI business school , IBS pune

  Master of Business Administration - MBA

  2016 — 2018

• Amity University

  Bachelor of Business Administration - BBA

  2013 — 2016