Sachin Jadhav
@sachinjadhav1
Senior credit risk and loan portfolio management consultant, helping lenders control NPA and grow portfolios with data-driven governance.
What I'm looking for
I’m a Senior Banking Consultant with 19+ years of expertise in Credit Risk Management, Loan Portfolio Management, and Business Lending across Commercial, Corporate, SME, and Agri segments. I’ve managed portfolios worth ₹500+ Crore (~USD 60M+) with strong asset quality, NPA discipline, and sustained portfolio growth across multiple credit cycles.
I build KPI frameworks and MIS foundations that make risk and performance visible to leadership. From designing portfolio performance dashboards to driving YoY/QoQ variance analysis, I use early warning indicators and delinquency monitoring to implement corrective actions before problems escalate.
In my regional leadership roles, I owned full P&L and portfolio quality accountability while scaling businesses and fee income. At IndusInd Bank, I led credit and portfolio operations across 8 locations with a team of 10 RMs, acquired 250+ clients from scratch across 8 territories, and generated ₹100 Lac+ annual fee income through proprietary internal lead channels.
Now, as an Independent/Open to contract consultant, I offer these capabilities as remote credit risk advisory, loan portfolio management, and banking analytics support to global financial institutions, fintech lenders, and risk advisory firms. My focus is practical governance, measurable KPI outcomes, and cross-functional execution—available immediately across US, EU, Gulf, and APAC time zones.
Experience
Work history, roles, and key accomplishments
Credit Risk & Portfolio Consultant
Independent
Feb 2026 - Present (4 months)
Provide remote credit risk advisory and loan portfolio management to global financial institutions, leveraging 19+ years of BFSI experience across SME, commercial, and agri lending. Previously managed ₹500+ crore portfolios, implementing NPA discipline and KPI/MIS-driven risk monitoring across credit cycles.
Regional Head, Business Lending VP
CSB Bank Ltd
Apr 2025 - Jan 2026 (9 months)
Led SME and LAP loan portfolio management for Pune district, supporting client turnover up to ₹300 crore and ticket sizes up to ₹30 crore. Built and maintained MIS dashboards and KPI reports, monitored delinquency trends, and implemented early warning measures in partnership with Credit, Operations, Risk, IT, and Compliance.
Regional Head, Business & Portfolio
IndusInd Bank Ltd
Jun 2016 - Mar 2025 (8 years 9 months)
Managed regional credit and portfolio operations across 8 locations with a team of 10 relationship managers, accountable for ₹500+ crore portfolio P&L and asset quality. Built KPI frameworks and dashboards, acquired 250+ clients from scratch, generated ₹100 lac+ annual fee income, and ensured pre- and post-sanction TAT discipline for ticket sizes of ₹2 crore to ₹30 crore.
Senior Relationship Leader, Agri
Yes Bank Ltd
Dec 2015 - Jun 2016 (6 months)
Managed working capital, promoter finance, and commodity finance credit facilities with ticket sizes from ₹50 lac to ₹3,000 lac. Owned end-to-end credit appraisal, portfolio monitoring, revenue generation, and client relationship management.
Area Manager, Rural & MSME
ING Vysya Bank Ltd
Jun 2012 - Dec 2015 (3 years 6 months)
Led rural and MSME lending across 7 locations, managing 12 relationship managers and underwriting/agreement execution for Agri and MSME credit. Handled ticket sizes of ₹25 lac to ₹500 lac and contributed to portfolio monitoring, compliance reviews, and MIS reporting, earning Best RM West Zone (2013–14) and Best SRM West Zone (2014–15).
Collection Manager, Agri Business
Axis Bank Ltd
Jan 2006 - Jan 2012 (6 years)
Managed the Agri collections portfolio, driving PNPA and NPA targets through delinquency control and collections execution. Built capability in MIS reporting and credit-administration support across multiple loan types.
Education
Degrees, certifications, and relevant coursework
Mahatma Phule Krishi Vidyapeeth (MPKV)
Bachelor of Science, Agriculture
2002 - 2006
Earned a B.Sc. (Agriculture) from Mahatma Phule Krishi Vidyapeeth (MPKV) in Rahuri, Maharashtra.
Sainik School Satara
Senior Cambridge / HSC (CBSE), Secondary Education
1995 - 2002
Completed Senior Cambridge / HSC education at Sainik School Satara under the CBSE Board.
Availability
Location
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Salary expectations
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