Pawan Joshi

Background

About Pawan Joshi

A highly experienced credit management professional with over 14 years of expertise in the banking and credit sectors across India and the UK, I offer a strong skill set encompassing credit analysis and control, portfolio management, and high-net-worth individual client relationship management. My background includes business process improvement, strategic planning and execution, and team leadership. My UK experience includes managing a real estate portfolio for a major bank, specializing in Buy-to-Let residential and commercial mortgages, as well as development finance across the UK, from underwriting to disbursement. I have a proven track record of analyzing SME and corporate businesses, assessing client risk, and implementing corrective actions. Specifically, I have conducted Technical and Economic Viability (TEV) studies for large and SME projects in Gujarat, India, and have underwritten loans for corporates in the infrastructure, road, and real estate sectors. I have successfully managed large-scale loan disbursements, effectively coordinating with internal and external cross-functional teams, including senior client management. My expertise covers the entire credit lifecycle, from sourcing loan proposals and conducting due diligence to swift disbursement and ongoing monitoring. I am proficient in financial data analysis, pre-non-performing asset recovery, and have a demonstrated ability to collaborate with legal counsel and valuers to ensure seamless loan processing. Adept at leading multifunctional and multilingual teams, I have successfully transitioned from back-end credit analysis to front-end leadership, including managing teams responsible for credit underwriting, disbursement, and monitoring. I am passionate about fostering dynamic environments that promote professional development and drive high team performance. Furthermore, I served as secretary to the Managing Director and CEO of Punjab National Bank, focusing on credit-related matters.