Yogendra Barnwal
Zonal Credit Head-AVP | MSME- Sindhuja| Bihar & UP Region | Credit & Risk Underwriting Expert | MBA| M.Com | Ex-RCM – Veritas Finance | 13.5 Yrs Exp in BL, ML, CV loan| Prior Exp in Veritas| ICICI Bank| Sahu & Associate.
- Role
- Zonal Credit Manager- AVP at Sindhuja Microcredit Pvt. Ltd.
- Location
- Patna, BR, IN
- LinkedIn followers
- 500 followers
About Yogendra Barnwal
Overall 13.5 Yrs of Experience in Commercial Vehicle, Mortgage, BL/LAP/LA-C Loan Segment. Prior experience in Veritas Finance company Ltd, ICICI Bank, Sahu & Associate.Awarded & Appreciation- Got 5 time promotion and 2 times awarded Best Credit Manager and Best Area Credit Manager in segment of Mortgage Loan/LAP/Housing Loan. My Strength & Teamwork-Good team handling, good communication with my Colleagues\' or BCMs. I also have good leadership quality, interpersonal skills, communication skill, time management, problem solving skills and ability to work under pressure. Looking for job where i can share my knowledge to the company or organization.
Experience
Zonal Credit Manager- AVP
Sindhuja Microcredit Pvt. Ltd.
Dec 2025 — Present · Noida, IN
Working as a Zonal Credit Manager, I handle credit evaluation, risk mitigation, and approval of credit proposals across multiple branches/zones. My responsibilities include analyzing financial statements, creditworthiness, industry risk, and ensuring compliance with organizational credit policies. I collaborate closely with sales, operations, and underwriting teams to support business growth while maintaining portfolio quality. I focus on reducing NPAs, improving turnaround time (TAT), and strengthening overall credit discipline within the region.
Education
Nalanda Open University, Patna
M.com, Business/Commerce, General
Vinoba Bhave University (VBU), Hazaribagh
B.Com , Accounting and Finance
MIT School of Distance Education
PGDFM, Business Administration and Management, General
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