Pawandeep Singh Bawa

About Pawandeep Singh Bawa

With over 30 years of experience in India\'s housing finance and mortgage industry, I have built my career at the intersection of credit excellence, business leadership, and customer impact.As National Credit Head – Home Loans at HDFC Bank, I oversee credit underwriting and quality for one of India\'s largest home loan portfolios. My mandate spans setting and enforcing credit policies, managing underwriting risk through technology-driven tools, ensuring regulatory compliance, and leading retail credit operations at a national scale.Prior to this, during my nearly three decades at HDFC Limited, I served in progressively senior leadership roles — culminating as Additional Senior General Manager & Regional Business Head for Chandigarh, Punjab, Haryana, and Himachal Pradesh. In this capacity, I drove regional business development, expanded market share, deepened distribution networks, and championed customer-centric solutions that made homeownership accessible to thousands of families.My core strengths lie in credit risk management, mortgage underwriting, team leadership, and strategic business development. I am equally comfortable building high-performing credit teams as I am engaging with regulators, channel partners, and institutional stakeholders.I am passionate about the role housing finance plays in nation-building — enabling families to own homes and contributing to the economic and social fabric of the communities we serve. Based in Chandigarh | Open to strategic conversations in banking, housing finance, and credit leadership.

Experience

1. Head Underwriter - Home Loans

   HDFC Bank

   Apr 2024 — Present · Chandigarh, IN

   Oversee credit underwriting and quality for India\'s largest home loan portfolio of ₹7.50 lakh crore, setting national benchmarks in mortgage credit standards. • Lead a team of 1,200+ credit underwriting professionals across the country, driving performance, capability building, and operational excellence. • Pioneered the integration of Generative AI into the underwriting process, significantly improving turnaround times and decision accuracy. • Achieved the lowest NPAs across all retail asset products nationally — a landmark in credit risk management at scale. • Responsible for credit policy formulation, compliance oversight, and underwriting technology adoption across the home loans vertical.

Education

• Western Sydney University

  Master of Business Administration, Business Administration and Management, General

• DAV College, Chandigarh

  BA Economics (Hons), Economics

  1991 — 1994

Skills

• Training
• New Business Development
• Auditing
• Business Development
• Risk Assessment
• Mortgage Lending
• Relationship Management
• Strategic Planning
• Sales Management
• Negotiation
• Mis
• Business Planning
• Banking
• Credit
• Risk Management
• Team Management
• Loans
• Management
• Business Strategy
• Credit Analysis
• Process Improvement
• Cross Selling
• Financial Services
• Leadership
• Finance
• Real Estate
• Credit Risk
• Funding