Gajendra Sharma
National Credit Manager | Vehicle & SME Finance
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About
Strategic Credit & Risk Management leader with 23+ years of experience in Vehicle and SME Credit Underwriting, Portfolio Risk, and Digital Credit Transformation. Currently serving as National Credit Manager, leading a ₹12,000+ Crore portfolio and a 223-member national credit organization. Proven record of scaling portfolio growth from ₹350 Crore to ₹12,000+ Crore while strengthening governance, underwriting controls, operational efficiency, and digital decisioning.
Experience
National Credit Manager at SK Finance Ltd. (2013-10 – Present)
Lead national credit operations for vehicle finance portfolio across India. Own underwriting governance, approval frameworks, policy formulation, portfolio monitoring, and risk controls. Lead and develop a 223-member national credit team across regions and states.
Drive digital transformation initiatives in underwriting, including BRE-based Straight Through Decisioning (STP). Collaborate with Business, Operations, Collections, Technology, and Leadership teams for scalable growth. Handled SME Credit Underwriting in FY 2016-17, encompassing financial statement analysis, credit risk assessment, and preparation of appraisal notes for evaluating borrower creditworthiness in line with internal policies.
- Scaled portfolio growth from ₹350 Crore to ₹12,000+ Crore
- Strengthened underwriting standards and governance mechanisms
- Contributed to digital underwriting journey and automated decision frameworks
- Improved turnaround times through process optimization and workflow enhancement
- Enabled stronger business–risk alignment while maintaining disciplined risk management
Collection Manager at Citi Financial Consumer Finance India Ltd. (2003-02 – 2013-08)
Managed soft bucket collections for Jodhpur territory, supported portfolio quality, recovery effectiveness, and operational performance.
