SANJAY SHARMA

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DISC Type : CD

Head of Risk - Retail,MSME Lending (Lap, Business Loan, Social Infra, Climate Finance) at Unity Small Finance Bank

New Delhi, Delhi, India

Overview

Sanjay Sharma is a risk professional with over two decades of experience in Indias retail, MSME, and mortgage lending sectors. He leads risk at Unity Small Finance Bank, shaping credit policies and driving growth. Colleagues describe him as a knowledgeable, diligent, and solution-oriented leader with an MBA from CMD, Modinagar.

Sanjay shows a deep interest in Indian philosophy and spirituality, often sharing reflections from scriptures like the Upanishads. He also engages with topics of personal development and virtues, emphasizing the importance of daily choices in shaping ones character and work ethic.

He possesses a unique blend of experience across both traditional financial institutions and modern FinTechs like BharatPe.

Personality Overview

Thorough Evaluator

Rigorous & Demanding

Fast But Analytical

They prefer to move quickly, and expect the same from others.  They are less concerned about the product and more about its potential impact. They respond better to strong and respectful interactions.

Topics They Care About

Credit Risk Management
With over 20 years of experience, he has designed credit policies and managed large portfolios for leading banks, focusing on mitigating risk while empowering borrowers.
MSME & Digital Lending
His recent roles at Unity Small Finance Bank and BharatPe, along with his analysis of SME IPOs, highlight his deep focus on this fast-growing lending segment.
FinTech Innovation
His career path reflects an engagement with the evolution of finance, moving from traditional institutions to leadership roles in the digital lending and FinTech space.

Media Appearances

SANJAY has no verified media appearances

Work History

1-2024
Head of Risk - Retail,MSME Lending (Lap, Business Loan, Social Infra, Climate Finance) at Unity Small Finance Bank
10-2021 - 9-2023
Head Credit & Policy | MSME and Supply Chain finance at BharatPe
3-2017 - 10-2021
Head Policy, Risk and Portfolio Monitoring at Indiabulls Consumer Finance Limited
2-2016 - 3-2017
Head Credit and Ops at Aye Finance Pvt. Ltd
7-2008 - 4-2013
Senior Vice President at Religare Finvest Limited (SME Loans)

Education

1995 - 1997
Master of Business Administration (MBA) from Centre for Management Development (CMD), Modinagar
1997 - 1999
CWA ( FINAL) from Institute of Cost Accountants of India

More Information

Social Presence :

Prographics :

Exp : 14 Location : New Delhi, Delhi, India Job Level : Mid-senior Designation : Head of Risk - Retail,MSME Lending (Lap, Business Loan, Social Infra, Climate Finance) at Unity Small Finance Bank
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Insights For Selling To SANJAY

During A Call Or A Meeting

DO's

  • When negotiating terms, help them build an impression that they are the ones calling the shots
  • Help them weigh the risks by sharing objective proof points without becoming too analytical
  • Objectively showcase the impact that your product creates

DONT's

  • Don’t take too much time in sending them information if they ask for any
  • Do not spend too much time focusing on product tech or features
  • Don’t focus on process and rules, give the impression of being a ‘gets it done’ person

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with SANJAY is

  • Conviction around the impact matters the most to them, followed by a sense of achievement and ROI.
  • Will you ever get a clear answer from SANJAY

  • If they decide not to use your product, they will say no clearly.

Insights For Deal Planning

    How fast (or slow) will SANJAY move?

  • If convinced, they can reach decisions quite fast.
  • Can SANJAY take some risk or not?

  • They do not shy away from taking risks, but can be quite binary about them.

You And SANJAY

Personality Compatibility


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