Anuja Sharma

Banking & Finance Professional with 14+ years of experience in credit risk management, credit appraisal, MSME lending, retail banking, and portfolio management across leading banking and financial institutions. Proven expertise in evaluating secured and unsecured loan proposals, conducting financial analysis, managing credit portfolios, ensuring regulatory compliance, and mitigating credit risk to maintain asset quality. Demonstrated success in driving business growth by expanding credit portfolios, strengthening MSME lending, improving operational efficiency, and leading high-performing teams to achieve organizational objectives.

Gold Medalist in MBA (Finance), CAIIB & JAIIB Certified, and CFA Level I qualified professional with strong analytical, strategic decision-making, stakeholder management, and leadership capabilities.

Credit Manager - Bank of Baroda - Surat, India

(2013-05 - 2023-10)

• Managed end-to-end credit appraisal, underwriting, sanctioning, and portfolio management for secured and unsecured lending products.
• Conducted comprehensive financial analysis, credit risk assessment, and borrower due diligence to support sound lending decisions.
• Evaluated and approved MSME, retail, and business loan proposals in compliance with RBI guidelines and internal credit policies.
• Expanded the branch's credit portfolio by 40% through strategic growth initiatives focused on the MSME segment.
• Increased business volumes by 25% by driving Gold Loan acquisition and portfolio expansion.
• Performed periodic portfolio reviews, account monitoring, and early warning assessments to maintain asset quality and minimize credit risk.
• Identified potential fraud indicators, monitored repayment trends, and implemented proactive risk mitigation strategies.
• Ensured strict adherence to regulatory requirements, audit standards, and internal compliance frameworks.
• Partnered with business, operations, legal, and relationship teams to deliver seamless credit processing and superior customer experience.
• Led, coached, and mentored a team of six professionals, consistently achieving business, operational, and portfolio quality targets.

Senior Executive - SBMG & Co. - Surat, India

(2009-11 - 2012-04)

• Managed financial operations, receivables, and business process improvement initiatives to enhance operational efficiency.
• Resolved disputed accounts through effective coordination with clients and internal stakeholders while maintaining strong business relationships.
• Consistently achieved collection targets through risk-based account prioritization and structured recovery strategies.
• Streamlined documentation and digital record management processes to improve operational accuracy and turnaround time.
• Supported senior leadership in implementing strategic business initiatives, operational policies, and organizational improvements.
• Contributed to cost optimization by enhancing process efficiencies and promoting cross-functional collaboration.

Research Analyst - N J India Invest Pvt. Ltd. - Surat

(2008-05 - 2009-10)

• Conducted comprehensive qualitative and quantitative research on mutual funds, capital markets, and investment products.
• Managed and reviewed investment portfolios for High Net Worth Individuals (HNIs), providing data-driven financial insights.
• Analyzed market trends, fund performance, and investment opportunities to support informed investment decisions.
• Prepared detailed financial reports, analytical presentations, performance dashboards, and investment recommendations.

CFA Level I - Finance - CFA Institute, USA (2026)

MBA - Finance - S. R. Luthra Institute, Surat (2008)

Bachelor of Science - Chemistry - P. T. Science College, Surat (2006)