Shubham Mishra

Area Credit Officer @Axis Bank

Prayagraj, IN

Credit Risk Management: Expertise in credit analysis, risk assessment, and portfolio monitoring.Proficient in identifying, assessing, and mitigating credit risk across various loan products (e.g, Retail mortgages, SME loans, CGFMU cases, AIF, AQB, Cattel finance).• Leadership & Team Management: Proven ability to lead, motivate, and develop high-performing team.Fostered a collaborative and results-oriented work environment. Product and policy training to other teams. Providing process tanning to newly joined CPAs and business team• Policy & Compliance:Ensured adherence of credit policies, regulatory guidelines, and internal controls.Coordinated with internal and external auditors to address compliance issues. • Data Analysis & Decision Making:Proficient in analysing financial statements, credit reports, and other relevant data to perform credit decisions.Leveraged data analytics to identify trends, improve portfolio performance, and minimize losses. • Vendor ManagementHandling the empanelment, allocation of cases and managing the billings.• Communication & Interpersonal Skills:Excellent communication and interpersonal skills, with the ability to effectively communicate with customers, colleagues, and senior management.

Dr. Ram Manohar Lohia Awadh University, Faizabad

B. Com.

National Institute of Bank Management (PGDM)

Retail Credit Management