piyush upadhyay

With over 14 years of extensive experience in Credit & Risk Management, I am eager to bring my
expertise to a strategic role in the Banking & NBFC industry. Currently serving as a Zonal Credit
Manager at Tata Capital Ltd., I have successfully led a team of Area Credit Managers & Credit
Analysts, reviewed and approved credit proposals, and maintained adherence to Credit Policy. I am
now seeking opportunities in Delhi-NCR/Noida/Gurugram to further contribute to mutual growth
and professional excellence.
My proven track record in devising risk frameworks, credit underwriting processes, and strategic
digital lending processes, along with my proficiency in managing Relationship Management and
credit appraisals, makes me a strong candidate for strategic roles in Credit & Risk Management. I
have consistently achieved measurable performance improvements through effective risk
management and a strategic focus on leveraging technology for business process enhancements.
I am confident that my skills in credit management, client servicing, and process improvement,
combined with my ability to identify, mitigate, and monitor risks, will make a significant
contribution to your team. I am enthusiastic about the opportunity to discuss how my background,
skills, and certifications, including an MBA in Banking, Finance & Marketing, can be aligned with the
needs of XXX.
Thank you for considering my application. I am looking forward to the possibility of contributing to
your team and am available at your earliest convenience for an interview.

Currently serving as the Zonal Credit Manager at Tata Capital Ltd. and expertise in credit management, risk frameworks, digital lending processes, and strategic credit underwriting. Extensive knowledge spans various credit products, including Project Finance, Infrastructure Finance, Term Loans, Working Capital Loans, Demand Loans, OD/CC, PCFC Limits, Export Finance, Channel Financing, Inventory Funding, leasing, and related financial products.

Professional Accomplishments:
Throughout his illustrious career, demonstrated exceptional leadership and achievements. Notable milestones include elevating the corporate lending portfolio to Rs. 6500.00 crores, successfully increasing the zonal-level business within Tata Capital Limited from Rs. 3000 crores to Rs. 4000 crores, and overseeing a substantial zone lending portfolio of Rs. 17,000 Crores at Corporation Bank.

Educational Background and Certifications:
Mr. Upadhyay holds a diverse educational background, including an LLB from CCS University, Meerut, UP, an MBA in Banking, Finance & Marketing from IBS, Hyderabad, and a B.Tech. in Electrical Engineering from Greater Noida Institute of Technology, UP Technical University. He is also a Certified Train the Trainer from Dale Carnegie Institute, Certified MSME Credit Counsellor, Certified Associate of Indian Institute of Banking & Finance (CAIIB), JAIIB, and a Certified Credit Manager from Manipal.

Key Result Areas and Responsibilities:
In his current role as Zonal Credit Manager at Tata Capital Ltd., Mr. Upadhyay leads and trains a team of Area Credit Managers and Credit Analysts responsible for risk appraisal and underwriting in the Northern-eastern regions. His key result areas include reviewing and approving credit proposals for the Corporate and Commercial Banking Group, managing a portfolio of accounts, collaborating with various teams to ensure regulatory compliance, and monitoring deferrals and overdue cases.

Previous Roles:
Mr. Upadhyay's professional journey includes roles such as Deputy Vice President / Team Lead at IndusInd Bank, Asst. Vice President at Shinhan Bank, Corporate Credit Analyst at Barclays GSC, and Senior Manager – Credit at Corporation Bank, where he played pivotal roles in credit management, decision-making, and risk analysis.

Working with Tata Capital as Zonal Credit Manager