Sahil Shorey

Seasoned Credit Professional with expertise in lending, credit appraisal, underwriting, and portfolio management. Skilled in sanctioning loans, leading high-performing teams, and driving business growth through strategic credit decisions while ensuring strict compliance with regulatory and organizational policies. Experienced in BL, LAP, TL, and OD products, end-to-end loan processing, risk assessment, portfolio monitoring, and MIS reporting.

Proven ability to mentor teams, optimize credit strategies, manage escalations, and collaborate across functions, with a strong foundation in audit, statutory compliance, and financial analysis.

Senior Credit Manager - Poonawalla Fincorp - Jalandhar

(2025-08)

• Leading a team of 3 credit managers, managing reporting, underwriting, and loan appraisal for LAP portfolios.
• Sanctioning loans up to Rs. 1 Crore, recommending higher approvals, and finalizing terms & conditions in alignment with organizational policies.
• Conducting thorough credit assessments, coordinating verifications with agencies, and ensuring timely proposal processing to maintain SLA/TAT.
• Monitoring EMI collections, coordinating property documentation, and maintaining MIS for PDD, ROC, and MCA compliance.
• Driving business growth by identifying potential clients and collaborating with sales teams for loan origination.
• Analyzing market trends, competitor products, and borrower profiles to optimize credit strategies.
• Mentoring and training credit managers to enhance appraisal quality, risk assessment, and compliance adherence.

Credit Manager - IDFC First Bank Ltd - Delhi

(2023-05 - 2025-08)

• Oversaw LAP vertical, including LAP TL and OD products, with expertise in underwriting business loan cases and preparing high-quality proposals.
• Performed credit appraisal and assessed client creditworthiness, recommending approvals within defined guidelines and risk parameters.
• Directed verification processes, due diligence, and collaborated with sales, operations, legal, technical, and customer service teams.
• Executed loan term finalization in consultation with reporting managers, ensuring timely proposal processing and best-in-class TAT.
• Supervised post-sanction activities including EMI follow-ups, property document collection, ROC charge creation, and MCA compliance MIS.
• Handled ticket sizes up to Rs.20 Crore with average monthly productivity of 30–35 files and sanctioning authority up to Rs.1.50 Crore.

Credit Manager - HDFC Bank - Ludhiana

(2021-07 - 2023-05)

• Managed LAP, TL, and OD loan products, performing credit appraisal and recommending approvals to senior management.
• Evaluated client creditworthiness, analyzed financial statements, and underwrote loan proposals with accuracy and compliance.
• Coordinated verification processes, finalized loan terms, and ensured adherence to guidelines for timely processing.
• Collaborated with sales, operations, legal, technical, and customer service teams, leveraging property knowledge to support loan execution.