Saransh Sharma, Csc, Mba Email & Phone Number

Toronto, On, Ca

Toronto, Ontario, Canada

India

• Credit Assessment: Evaluated creditworthiness of retail, business and agriculture loan applicants based on financial statements, credit reports, and risk analysis.• Risk Management: Mitigated credit risk by setting lending policies, establishing credit limits, and implementing risk mitigation strategies.• Credit Underwriting: Analyzed loan applications, assessed collateral, and determine appropriate loan terms and conditions.• Credit Decision Making: Adjudicated or recommended loan applications based on credit analysis, regulatory compliance, and bank policies.• Portfolio Management: Monitored loan portfolios, identified delinquent accounts, and implemented strategies for loan recovery or restructuring.• Compliance: Ensured compliance with regulatory requirements, credit policies, and lending standards.• Customer Relations: Maintained relationships with borrowers, addressed inquiries, and provided financial guidance.• Team Collaboration: Collaborated with sales teams, risk management, and other departments to streamline credit processes and achieve business objectives.• Reporting: Prepared credit reports, portfolio analysis, and performance metrics for senior management.

India

• Operational Oversight: Managed day-to-day branch operations ensuring compliance and efficiency.• Customer Service Management: Supervised frontline staff, handled inquiries and customer requests, and ensured satisfaction.• Staff Supervision and Training: Lead, coached, and developed team members.• Sales and Business Development: Supported branch in achieving sales targets for deposits, loans and third party products. Developed marketing strategies to achieve targets.• Risk Management and Compliance: Ensured strict adherence to regulations and mitigated risks as per the guidelines laid down by the bank or the regulator such as RBI etc.• Financial Management: Regularly Monitored financial performance of the branch and optimized profitability by putting a check on expenses.• Business Relationship Management: Cultivated partnerships and expand the customer base.• Problem Resolution and Escalation: Addressed issues and resolved complaints promptly and professionally by keeping in mind the interest of the bank and customer both.• Performance Monitoring and Reporting: Track KPIs and prepare reports for management.• Team Collaboration and Leadership: Foster teamwork, provide guidance, and inspire staff.• Financial Advising and Planning: Provided personalized investment advice and recommendations tailored to clients' financial objectives, risk tolerance, and time horizon.

Mumbai Area, India

Delhi Ncr

Masters In Business And Administration, International Business

Activities and Societies: Member Organising Committee for various cultural and academic eventsFormerly known as Faculty Of Management.

Btech, Applied Electronics And Instrumentation

Formerly known as Dehradun Institute of Technology, Dehradun

Aissce, Pcm With Physical Education

Activities and Societies: Secretary - Student Council, Member Organising Committee of various cultural, sports and academic events.