Bhargav Panchasara
ID: CCE856354
Bhargav Panchasara
ID: CCE856354
- Branch credit manager, AADHAR HOUSING FINANCE LTD.
- Gujarat, India
Bhargav Panchasara
ID: CCE856354
- Branch credit manager, AADHAR HOUSING FINANCE LTD.
About Bhargav Panchasara
Experienced and results-driven Branch Credit Manager with a strong background in credit appraisal, financial analysis, and risk management across housing and loan against property segments. Skilled in evaluating and approving secured loan proposals, leading credit teams, and ensuring compliance with organizational and regulatory standards. Adept at underwriting, MIS reporting, and portfolio monitoring, with proficiency in Tally, SAP, and QuickBooks. Recognized for sound judgment, analytical skills, and maintaining high-quality credit portfolios.
Employment History
AADHAR HOUSING FINANCE LTD.Invite company
12th Dec 2023 to 16th Dec 2025
Branch credit manager
12th Dec 2023 to 16th Dec 2025
Salary Package
Salary Hidden
Roles & Responsibility
Evaluate home loan / LAP proposals for salaried & self-employed customers Analyze: Income documents & cash flows Banking behavior & average bank balance FOIR / LTV / eligibility calculations Credit bureau reports (CIBIL, etc.) Identify early risk signals (over-leverage, unstable income, adverse bureau)
Skills
- Financial Analysis
- Risk Management
- SAP FICO
- Team Coordination
- Excel
Verification Pending
Kwikteams Support & Service Pvt. Ltd.Invite company
1st May 2023 to 31st Aug 2023
Process executive
1st May 2023 to 31st Aug 2023
Salary Package
Salary Hidden
Roles & Responsibility
Performed data analysis, compliance review, and process improvement studies.
Skills
- Data Analysis
- Record Keeping
- Verification Process Management Back Office Operations Documentation Data Analysis Advanced MS Excel Pivot Tables VLOOKUP Reports Quality Control Compliance Monitoring Workflow Optimization Process Improvement Client Coordination Team Support
- Excel (VLOOKUP
Verification Pending
Aadhar Housing Finance LtdInvite company
1st Jun 2022 to 31st Jan 2023
Management trainee
1st Jun 2022 to 31st Jan 2023
Salary Package
Salary Hidden
Roles & Responsibility
Conducted personal discussions, financial evaluations, and system documentation.
Skills
- - Excellent oral & written communication skills. - High degree of proficiency in basic computer applications (i.e. Windows, Word, Excel, Outlook, etc.) - Ability to learn and adapt to multiple internal applications & tools. - Strong analytical and independent problem-solving skills. - Team Player - Able to clearly communicate network issues and the status of efforts to resolve problems
Verification Pending
Kotak Mahindra BankInvite company
1st Aug 2021 to 31st Mar 2022
Service officer
1st Aug 2021 to 31st Mar 2022
Salary Package
Salary Hidden
Roles & Responsibility
Managed custodianship, service desk operations, cash management, and authorization.
Skills
- - Excellent oral & written communication skills. - High degree of proficiency in basic computer applications (i.e. Windows Ability to learn and adapt to multiple internal applications & tools. - Strong analytical and independent problem-solving skills. - Team Player - Able to clearly communicate network issues and the status of efforts to resolve problelms
Verification Pending
K.P. Kothari & Associates LLPInvite company
1st Aug 2020 to 31st Jul 2021
Articled CA
1st Aug 2020 to 31st Jul 2021
Salary Package
Salary Hidden
Roles & Responsibility
Assisted in statutory audits, accounting compliance, and financial planning analysis.
Skills
- - Excellent oral & written communication skills. - High degree of proficiency in basic computer applications (i.e. Windows, Word, Excel, Outlook, etc.) - Ability to learn and adapt to multiple internal applications & tools. - Strong analytical and independent problem-solving skills. - Team Player - Able to clearly communicate network issues and the status of efforts to resolve problems
Verification Pending
Education
Master of Business Administration (Finance)
Gujarat Technological University
1st May 2018 to 31st Dec 2020 (Expected)
Chartered Accountants (Inter – Group I)
ICAI
1st Jan 2018 to 31st Dec 2019 (Expected)
Bachelor of Commerce
Saurashtra University
1st Jul 2014 to 31st Dec 2018 (Expected)
12th commerce
EKLAVYA PUBLIC SCHOOL
1st May 2013 to 18th Jun 2014 (Expected)
10th
EKLAVYA PUBLIC SCHOOL
1st Jun 2011 to 20th Jul 2012 (Expected)
Expertise
Credit Appraisal & Risk Analysis
4/5
Financial Statement Analysis
4/5
Underwriting Process
4/5
MIS Reporting & Portfolio Monitoring
0/5
Leadership & Team Management
0/5
Proficient in Tally ERP
0/5
Tally Prime
0/5
SAP
0/5
QuickBooks
0/5
Ms excel
0/5
ITT Certified (Information Technology Training)
0/5
