Saurabh Singh Gaharwar
@saurabhsinghgaharwar
Banking Manager at IDBI Bank who delivered over ₹81 crore in retail loan disbursements and revived a loss-making branch.
IndiaWhat I'm looking for
At IDBI Bank Ltd., I’ve managed retail, MSME, gold and agriculture loan portfolios across branches in Maharashtra and Gujarat. As Asset Officer at FC Road, Pune, I handled the loan lifecycle from customer sourcing and credit assessment through disbursement and monitoring.
At FC Road, I achieved the highest retail loan disbursement across the Pune Zone in FY 2023–24 and FY 2025–26, with cumulative retail loan disbursements exceeding ₹81 crore over three years.
As Branch Head at Umreth, I led branch operations and loan management, and helped revive a loss-making branch through MSME and gold loan growth and closure of long-standing NPA accounts. Earlier, at Kheda, I reduced the NPA book by 50% through recovery efforts and settlements.
Before banking, I worked as a Probationary Development Officer at LIC of India and as a PHP Developer and Trainee Software Engineer. I hold a Master of Science in Information Technology and am a Certified Associate of Indian Institute of Banks.
Experience
Work history, roles, and key accomplishments
Manager
IDBI Bank Ltd.
May 2023 - May 2026 (3 years)
Managing a high-value portfolio of Structured Retail Asset loans, overseeing the complete loan lifecycle from sourcing to post-sanction monitoring, and ensuring regulatory compliance.
Assistant Manager
IDBI Bank Ltd.
Aug 2020 - Jun 2022 (1 year 10 months)
Managed a broad portfolio of Gold, Agriculture, and Retail loans, focusing on NPA recovery and improving portfolio health through effective strategies.
Probationary Development Officer
LIC of India
Oct 2016 - Jul 2017 (9 months)
Recruited and developed a team of insurance agents to drive life insurance business, providing training and support to achieve sales targets.
PHP Developer
EPageStore Inc.
Nov 2013 - Mar 2014 (4 months)
Developed and maintained dynamic web applications using PHP, collaborating on backend integration and database management.
Trainee Software Engineer
Indusa Infotech Services Pvt. Ltd.
Aug 2012 - Mar 2013 (7 months)
Assisted in developing and maintaining web applications using PHP, gaining hands-on experience in coding, debugging, and database integration.
Education
Degrees, certifications, and relevant coursework
Indian Institute of Banking and Finance
Certified Associate of Indian Institute of Banks, Banking
Certified Associate of Indian Institute of Banks, completed in March 2021.
Indian Institute of Banking and Finance
Junior Associate of Indian Institute of Banks, Banking
Junior Associate of Indian Institute of Banks, completed in August 2019.
DAIICT
Master of Science, Information Technology
2010 - 2012
Master of Science in Information Technology from DAIICT, Gandhinagar, from 2010 to 2012.
VP Science College
Bachelor of Science, Computer Science
2007 - 2010
Bachelor of Science in Computer Science from VP Science College, Anand, from 2007 to 2010.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Salary expectations
Job categories
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