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Sambhu Sharma

@sambhusharma2

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Chartered Accountant driving SME credit growth through rigorous financial analysis and risk management.

India

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What I'm looking for

I’m looking for a challenging role where I can lead SME credit delivery, strengthen risk and compliance, and use deep financial analysis to support sustainable business growth through strong client relationships.

I’m a Chartered Accountant (CA) with extensive experience in SME Credit and corporate banking. I combine meticulous financial analysis with performance-driven relationship management to support reliable credit delivery.

Across my senior relationship management roles, I handle end-to-end credit responsibilities for SME portfolios, including working capital structuring, term loan facilities, and multi-million portfolio funding. I conduct thorough credit appraisals by evaluating financials, audited statements, balance sheets, and project reports to understand credit worthiness.

I’m known for proactive risk mitigation—building precise credit analysis charts and proposals that highlight weak areas and recommend tailored capital-structure improvements. I also perform due diligence and rigorous on-site physical verification of stocks and industrial assets to validate business operations.

Beyond lending, I bring strong compliance and audit assurance capabilities. From my article ship work, I’ve handled ledger scrutiny, TDS compliance tracking, bank reconciliations, transaction vouching, and statutory audit execution, including NPA classification, provisioning, and income recognition norms.

Experience

Work history, roles, and key accomplishments

Senior Relationship Manager – SME Loans

Equitas Small Finance Bank

Sep 2022 - May 2025 (2 years 8 months)

Managed SME loan relationships and handled end-to-end credit appraisal including review of client financials, credit proposals, and risk mitigation recommendations.

SME Lending Credit Analysis Risk Mitigation Relationship Management Due Diligence Physical Verification

Senior Relationship Manager – WCTL (SME Loans)

Aditya Birla Finance Ltd

May 2022 - Sep 2022 (4 months)

Led relationship management for WCTL (SME Loans) with responsibilities covering financial credit evaluation, proposal preparation, and identification of weak areas for tailored recommendations.

SME Lending Credit Analysis Risk Mitigation Relationship Management Due Diligence

Location Head – SME Loans

Edelweiss Financial Services

Oct 2018 - Sep 2020 (1 year 11 months)

Oversaw SME loans operations with credit review and relationship management responsibilities, including compliance checks and support for branch capacity-building activities.

SME Lending Credit Analysis Credit Proposals Risk Management Relationship Management Due Diligence Physical Verification Training and Capacity Building

Relationship Manager – BBWC

HDFC Bank Ltd

Dec 2017 - Oct 2018 (10 months)

Handled business banking working capital (BBWC) relationship management, including review of statements and financial projections for creditworthiness and compliance.

Relationship Management Due Diligence

Home Tutor (Independent Consultant)

Self Employed

Nov 2015 - Nov 2017 (2 years)

Worked as an independent home tutor under self-employment.

Relationship Manager – BBG

ICICI Bank Ltd

Sep 2013 - Oct 2015 (2 years 1 month)

Managed business banking group (BBG) client relationships and supported credit evaluation and risk-focused recommendations for SME/business clients.

Business Banking Group Relationship Management Credit Analysis Risk Mitigation Due Diligence

Audit Assistant

N.K. Rathi & Associates

Apr 2008 - Aug 2011 (3 years 4 months)

Performed audit assistant duties including ledger scrutiny, TDS compliance tracking, bank reconciliations, transaction vouching, and physical inventory and asset verification.

Ledger Verification Bank Reconciliation Transaction Vouching Asset Valuation NPA Classification Revenue Leakage Investigation