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Shivam Bajaj

•FCA/Working as Sr.Product Manager. •Process enhancement and formulation of policies. •Analytical credit expert with 5 years of credit appraisal experience in financial service industry •Hands on experience in managing financial task performing financial analysis. •Focused on meeting customer needs through sound knowledge of process, policies and product.

Key Skills

Linear and Logistic Regression(R Programming)
Predictive Modeling (R Programming)
Hypothesis Testing(R Programming)
Finnacle-Finnone
Flexcube-Oracle

Professional Experience

Mar 2021
Present
Sr. Product Manager
AU Small Finance Bank Mumbai, IN
AUSFB is an Indian scheduled commercial bank
•Product designing,formulation and implementation of policy for Wheels 
Formulated and Implemented CV/CE Policy 
•Formulated and Implemented Car Policy 
•Streamlining of processes and documentation documentation
Sep 2017
Present
Risk Manager/Manager
HDFC Bank Delhi, IN
HDFC bank is an Indian banking and financial services company headquartered in Mumbai. It is India's largest private sector bank by assets.
  • Credit Appraisal of proposals of commercial vehicles (light and heavy) and construction equipments for Delhi NCR.
  • Involved in technological advancement of process for better results
  •  Utilising CIBIL and Experian/Equifax for analysing the creditworthiness of the client
  • Assessing audited financials of the client
  • Evaluates customer records and recommends that credit limits be extended or reduced based on collection attempts, payment history and purchase activity of customer
  • FPR for vendor management
  • FPR for DSA review mechanism
  • working closely with collection associate for controlling the bad debts level across the portfolio
  • Timely training provided to sales counterparts ,DSAand DST regarding new policies products and schemes for market penetration 


Mar 2016
Sep 2017
Risk Manager/Deputy Manager
ICICI Bank Delhi, IN
ICICI bank is one of the big four banks of India. Bank has branches in Bahrain Dubai international finance centre and representative offices in UAE.
  • Responsible for doing credit appraisal for personal loans and business loans.
  • Credit administration file decisioning within the defined TAT as per policy.
  • Performing credit assessment and monitoring of high ticket personal loans PL select offers and business loans.
  • Provide training to the sales and CPL resources on processes and login of files.
  •  Overseen the entire lending process including the initial application and review underwriting and the dispersal or denial of request.
  • Done interfacing with clients for understanding their requirements and suggesting the most viable solution and cultivating relations with them for customer retention and securing repeat business.
Feb 2011
Feb 2014
ARTICLE ASSISTANT
Parakh and Company Jaipur, IN
Parakh and Company is a chartered accountant firm in Jaipur which conducts various audits and accounting.
  • Conducted statutory audit for PSU like Indin Oil Corporation Ltd and Shipping Corporation of India .
  • Conducted tax audit for MG cables
  • Conducted concurrent audit for BSNL
  • Internal audit for Asopa Hospital

Education

May 2012
Nov 2015
Chartered Accountant in
ICAI
May 2009
May 2012
B.com in Subodh College
Rajasthan university
Mar 2008
May 2009
Senior secondary education in Tagore Public School
CBSE
Mar 2006
May 2007
Secondary education in Tagore Public School
CBSE

Achievements

2018
Strategic Project Award
  • This pilot gets control on business cash flows of customer .
  • In order to make it a structured process two note codes were generated in system-1.CASA PRE (CA opening pre asset disbursement) 2.CASA WIP(CA opening post asset disbursement)
  • Pilot intended for Bundled Asset-Liability Selling 
2019
Silver Star Award
  • Awardee for Silver Star Award for Limited Period Offer Drive
  • This LPO was intended to increase market share in small commercial vehicle segment to get better yield
  • To track the performance of the cases appraised,specific credit promo code -TSS LPO was created.

Quote

Do not limit yourself

Mary Kay Ash

Hobbies & Interests

  • Travelling
  • Volleyball
  • Listening Music

Languages

English
(Fluent)
HINDI
(Native)

Career Aspiration

I have emerged as professional with managerial skills ,five years ago I wanted to be where I am today ,so 3 years of now ,I want to set realistc goals for myself and for my organization.I will keep the same spark alive within and I hope I will achieve my goal

Get in touch with Shivam