Vivek Kumar Sinha

Credit Manager @ HDFC Bank | Retail Credit @12 years | MBA Finance @IiEST Shibpur| JAIIB Certified-IIBF| CSBC-SME-RBI Tailored Program Certification form Moody’s Analytics.

Role: Credit Manager at HDFC Bank
Location: Dhanbad, JH, IN
LinkedIn followers: 500 followers

Finance & AccountingView LinkedIn profile

About Vivek Kumar Sinha

With over 12 years of experience in credit management and risk assessment, I specialize…

Experience

Credit Manager
HDFC Bank
Sep 2017 — Present · Dhanbad, IN
To ensure all loan proposals are processed within defined TAT and credit delivery to the customer (both internal and external customers), with very low defects/reworks, and increasing efficiency of operations and vendor competence improvement.• Adherence to the policy/process laid out by the Central team on all application being processed• Very close monitoring on Non-starters / EMR trends so as to ensure healthy portfolio.• Audit compliance on all aspects stipulated by Head office, and regulatory compliance in the location.• To interact closely with other functions such as Sales/Operations/Collections in ensuring a smooth delivery of corporate objectives.• To manage all risk vendors• Credit Deferral Management Both Critical and non Critical.Currently looking Retail Agri -Working Capital Loans, Farm Credit and SLI

Education

Moody's Analytics
Credit Skills For Bankers Certificate - SME Lending
2025 — 2025
Corporate Finance Institute® (CFI)
Fundamentals of Credit
2023 — 2023
Indian Institute of Banking and Finance
JAIIB
2023 — 2025
D.A.V. Public School Moonidih
12th
2002 — 2004
Indian Institute of Engineering Science and Technology (IIEST), Shibpur
MBA in Financial management
2010 — 2012
DAV Public School,Mahuda, Dhanbad, Jharkhand
10th
2001 — 2002
Vinoba Bhave University
GRADUATION
2005 — 2008
Corporate Finance Institute® (CFI)
Fundamentals of Credit
2023

Skills

Credit
Financial Modeling
Financial Analysis
Management Information Systems (Mis)
Portfolio Management
Competitive Analysis
Corporate Finance
Housing Loans
Working Capital Management
Credit Risk
Business Analysis
Banking
Risk Management
Team Management
Finance
Analysis
Mba Finance
Credit Analysis
Investment Banking
Business Loans

Contact information

Verified work emails, personal emails, and direct dials — unlocked in one click.

Work email
•••••@hdfc.bank.in
Personal email
•••••@•••••.com
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Current company

HDFC Bank

Banking · 216K employees · Mumbai, Maharashtra, India

HDFC Bank is India's largest private sector bank, offering a comprehensive range of financial products and services to our customer base of over 92 million. Our extensive distribution network of 8,919 branches and 21,031 ATMs across 3,836 cities and towns as of August 2024, reaches every corner of the country, making us accessible to millions. Promoted by Housing Development Finance Corporation (HDFC), India's leading housing finance company, HDFC Bank began operations in 1995 with a simple mission: to be a "World-class Indian Bank". With a single-minded focus on product leadership, customer focus and operational excellence, we have emerged as a leading player in all our business segments. We cater to individuals and businesses, offering a full range of innovative banking solutions including loans, payments, and wealth management. Our business solutions empower companies of all sizes, from MSMEs to large corporations, helping them grow with tailored banking services and financial tools. In 2023, the Bank merged with HDFC Ltd, combining our robust banking services with HDFC Ltd's legacy of leadership in housing finance. This merger enhances our ability to offer home loans and other financial services, ensuring seamless access for customers across urban and rural areas. As a socially responsible corporate citizen, we believe in banking with a purpose. Through our CSR initiative, Parivartan, we actively work to drive positive change across education, healthcare, skills training, and sustainable livelihoods impacting over 10 crore lives across the country. Our commitment to community impact is as strong as our dedication to delivering value to our stakeholders. As we expand, we continue to stay at the forefront of innovation, offering seamless digital banking experiences to enhance the lives of our customers. HDFC Bank prioritises the security of its systems and remains committed to maintaining the confidentiality of its customers' data. As a precaution

hdfc.bank.in

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About Vivek Kumar Sinha

Experience

Credit Manager

Education

Moody's Analytics

Corporate Finance Institute® (CFI)

Indian Institute of Banking and Finance

D.A.V. Public School Moonidih

Indian Institute of Engineering Science and Technology (IIEST), Shibpur

DAV Public School,Mahuda, Dhanbad, Jharkhand

Vinoba Bhave University

Corporate Finance Institute® (CFI)

Skills

Find verified contacts for anyone on LinkedIn