Pawan Kumar Sharma
Assistant to Vice President - Emerging Enterprises Group at HDFC Bank Ltd.
- Role
- Assistant to Vice President at HDFC Bank Limited
- Location
- Jodhpur, RJ, IN
- LinkedIn followers
- 500 followers
About Pawan Kumar Sharma
A result oriented professional with over 12+ years of experience in Finance & Marketing, Warehousing Commodity based Finance, Collateral Management, Supply Chain Finance including dealer finance, sales bill discounting, Working Capital Finance, Unsecured & secured mortgage lending and Export Import Finance to MSME units (Micro small & medium enterprises), Home loans & Equity finance, Presently working with Axis Bank Ltd as Area Manager - Small Business Banking Vertical at Jodhpur cluster. Has a proven record of accomplishment in increasing sales volume of working capital overall book and enhancing profitability. To ensuring compliance with quality measures, credit and repayment schedule, development and analytical assessment, strengthening supply chain effectiveness. Maintain key relation with some of the primary associates and clients of the company. Having self-supervising attitude, ability to think critically, and willingness to accept and learn from criticisms.I am a DIM/PGPM/PGDM/PGDFM post graduate candidate with 12+ years of experience in credit appraisal, due diligence, company profiling, report writing, team handling in leading Indian Banks and credit rating agency, I have expertise in financial analysis, forecasting, industry research, wealth management, loan underwriting and building & managing relationship with high net worth clients.
Experience
Assistant to Vice President
Dec 2025 — Present
Acquisition of Assets business secured and unsecured working capital finance. Income generations through collection of fee, cross sells like insurances, opening of CAsA etc. Strategy planning & implementation of actions for sourcing of Quality business. Work closely with branch banking teams and relationship teams for new customer additions. Evaluate the credit proposal of Business banking & SME business (Unsecured & secured Small/large ticket size), Agri & MSME corporate through incisive financial statement analysis, industry performance, economic analysis, management quality. Recommend/reject loans of borrowers in accordance with Bank’s credit policy Formulate appropriate lending structures after ensuring that they are consistent with borrower’s requirement, underlying risk trends and bank’s risk appetite & credit policy guidelines Ensure adherence to the credit policy and RBI guidelines & Responsible for accuracy of Internal Risk Ratings Post disbursement Monitoring & servicing, customer grievances resolution / Coordinating with customers for Review / Renewal in time, Resolutions of NPA/A3/A2 accounts and resolve the PNPA cases before provisioning, Regularization of Adhoc / Excess Advances, LPS etc. Coordination with the legal advisors for filing of cases under Sec 138, civil suit, SARFAESI Act. Follow the Process Compliance, audit and closure of irregularities/ Portfolio Quality. Arranging for product development and promotional activity and events for brand and product awareness Conduct market research and surveys to keep pace with the changing market trends and competitor moves. Achieve business targets in the designated territory.
Education
IILM University, Gurugram
MBA - PGP - PGDM ( FINANCE ), Management ( Finance )
2010 — 2012
Tagore P.G College, Suratgarh, Rajasthan
Bachelor of Business Administration ( Finance ), Management
2006 — 2009
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