ARUN KUMAR PANDEY
B 310 Uninav Heights Rajnagar Extension Ghaziabad , Uttar Pradesh, 201017, India
Profile Summary
Dynamic and results-driven Credit & Risk professional with 14+ years of experience in SME lending, LAP underwriting, and credit risk management across leading NBFCs and banks. Proven expertise in evaluating financial statements, structuring loan proposals, mitigating risk, and implementing regulatory-compliant frameworks. Adept at leading regional credit teams, improving portfolio quality, and driving business growth. Currently heading SME credit operations as Regional Credit Manager at Mahindra & Mahindra Financial Services Ltd., overseeing multiple locations in Haryana and Rajasthan.
Employment History
Regional Credit Manager at Mahindra and Mahindra Financial Services Limited
September, 2025 - Present
Delhi NCR Region including Bhiwadi Rewari Rohtak and Alwar
- Leading credit operations for SME loan portfolio across Bhiwadi, Rewari, Rohtak, Alwar, and Gurgaon.
- Appraising and sanctioning SME/LAP proposals, ensuring adherence to company credit policies and regulatory guidelines.
- Managing a regional team of credit managers and analysts to deliver high-quality appraisals and faster TATs.
- Partnering with sales & business teams to drive disbursement growth while maintaining portfolio health.
- Monitoring early delinquencies, restructuring cases, and implementing corrective actions for risk containment.
- Driving process automation & policy updates to strengthen SME credit framework and reduce turnaround times.
- Engaging with promoters, auditors, and legal teams for in-depth due diligence and collateral verification.
Assistant General Manager (SME) at Cholamandalam Investment & Finance CO. Ltd., Delhi NCR
June, 2022 - September, 2025
- Evaluating creditworthiness and creating scoring models, approving loans up to ₹2Cr for Loan Against Property (LAP), and managing credit operations for Delhi-NCR.
- Collaborating with sales teams to drive business growth and structuring loan plans based on market analysis.
- Conducting risk assessments and credit appraisals for mortgage loans and various segments.
- Monitoring loan repayments, updating credit policies, and managing bad debts.
- Assessing financial statements, preparing and sanctioning loan proposals, and ensuring timely disbursement.
- Overseeing team performance in business development, credit analysis, and documentation.
- Developing strategies to enhance loan portfolio performance and minimize defaults.
- Coordinating with legal and compliance teams for regulatory adherence in loan agreements.
- Conducting market research to adjust credit policies based on emerging risks and opportunities.
- Facilitating client meetings to discuss terms and resolve issues, strengthening relationships.
- Implementing efficient procedures for loan processing and documentation.
- Analyzing market trends to anticipate impacts on loan performance and risk.
Area Credit Manager at Indusind Bank
September, 2019 - June, 2022
- Expanded and standardized written policies for credit and client setup procedures.
- Approved and rejected loans, calculated and set loan interest rates.
- Collaborated with the sales team to drive business growth.
- Analyzed market trends and credit opportunities to structure effective loan plans.
- Conducted risk assessments and credit appraisals for mortgage loan applications.
- Managed branch credit for the Delhi NCR region, including LAP term loans and overdraft facilities.
- Monitored loan payments, bad debts, and updated the company’s credit policy.
- Prepared and sanctioned loan proposals within individual authority (Rs.150 Lacs), presented recommendations to committees, and ensured timely disbursement.
- Evaluated financial statements and credit reports to assess loan applications.
- Developed and implemented risk management strategies to mitigate financial exposure.
- Conducted site visits and assessments for collateral verification and borrower evaluation.
- Reviewed and adjusted credit limits and terms based on performance and market conditions.
- Prepared detailed reports and presentations for senior management and sanctioning committees.
Area Credit Manager at DHFL
April, 2018 - September, 2019
- Expanded and standardized credit and client setup policy certification.
- Organized team activities for accurate and timely file appraisals.
- Provided customer service, mentored employees, and managed finance proposals.
- Approved and administered loans from ₹10 Lacs to ₹10 Cr, with authority up to ₹75 Lakhs.
- Applied credit strategies for infrastructure finance and conducted risk assessments for loans.
- Responded to client inquiries on letters of credit and bank policies.
- Conducted regular reviews and updates of credit policies to align with market changes.
- Managed the end-to-end loan approval process, from application to disbursement.
- Analyzed financial statements to determine loan feasibility and assess borrower risk.
- Implemented process improvements to streamline loan application and approval workflows.
Area Credit Manager - SME Unsecured at Magma Fincorp Ltd.
March, 2016 - April, 2018
- Conferred with credit analysts and financial advisors to assess customer risk.
- Negotiated credit lines, loan renewals, and managed past-due loans in line with institutional strategies.
- Managed SME-Unsecured funding proposals sourced from branches and DSAs, with underwriting authority up to Rs. 150 lakhs and approving authority up to Rs. 25 lakhs.
- Identified cross-sell and up-sell opportunities, offering multi-line options to customers.
- Conducted detailed financial analysis to support loan approvals and mitigate risk.
- Developed and implemented credit policies to ensure compliance and minimize risk.
Assistant Manager - Credit at RAAS Housing Finance India Limited
September, 2015 - March, 2016
- Conducted credit analysis of loan applications, assessing creditworthiness and repayment capacity.
- Managed the processing and disbursement of housing finance applications.
- Engaged with clients to gather information and address queries regarding loan applications.
- Monitored loan portfolio performance, identifying risks and implementing mitigation strategies.
- Prepared reports on credit performance and loan approval rates for management review.
- Coordinated with other departments to improve efficiency in credit management operations.
Branch Operations Manager / Business Credit Manager / Management Trainee at HDB Financial Services Ltd.
June, 2011 - September, 2015
- Gained exposure to credit assessment and branch operations.
- Assisted in evaluating credit applications and conducting initial customer profile assessments.
- Supported the Credit Relationship team in maintaining and developing client relationships.
- Managed day-to-day branch operations, including transactions and customer service.
- Ensured compliance with company policies, procedures, and regulatory requirements.
- Monitored branch performance metrics and provided improvement recommendations.
- Participated in training programs to enhance knowledge of financial products and management.
Projects
Comparative Analysis of Mutual Fund Equity Schemes
Organization Name:
2 Months
Conducted at State Bank of India Asset Management Company Ltd., Ranchi, this two-month project involved analyzing and comparing various mutual fund equity schemes to evaluate their performance, risk factors, and investment potential.
Sangarsh and Josh Sports Event Organization
Organization Name:
At HDB Financial Services Ltd., organized a sports event named “Sangarsh and Josh” in November 2012. The event was planned and executed with the assistance of the HR department and 12 management trainees, focusing on team-building and employee engagement.
Education
Professional Degree (LLB)
2024
Diploma (PGDM (Finance))
Institute of Productivity & Management, Ghaziabad
2011
Diploma (Commerce (Honors))
Ranchi University
2008
Skills
Microsoft Office - (Microsoft Word, Excel, PowerPoint, Outlook)
Windows, Internet Applications
Extracurricular Activities
- Competed in a financial competition, Spectrum – Adhunik Kuber, representing B-School on 26th-27th November 2010 at BSE INMANTEC Institute, Ghaziabad. The event focused on analyzing stock market performance at BSE over six months, and achieved 2nd Place.
- Participated in a Cricket Tournament at IPM Ghaziabad from 10th-20th February 2010, earning the title of Player of the Series for achieving the highest run score and most wickets taken.
Declaration
The above-mentioned details are true to the best of my knowledge and given a chance, I shall discharge my duties to the entire satisfaction of my superiors. Hope that credentials satisfy your requirement & looking forward to further contacts.