SANJAY SHARMA in

SANJAY SHARMA

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

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.

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Experience
14 Years
Current Role
Head of Risk - Retail,MSME Lending (Lap, Business Loan, Social Infra, Climate Finance)
Job Level
Mid-senior
Location
New Delhi, Delhi, India
Personality Overview

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Communication Style
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Work Preference

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Priorities

Topics SANJAY cares 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.
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Career

Work history

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

Media appearances

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Education
1995 - 1997
Master of Business Administration (MBA)
Centre for Management Development (CMD), Modinagar
1997 - 1999
CWA ( FINAL)
Institute of Cost Accountants of India
Social presence
in
Behavioral profile

DISC profile (public)

DISC behavioral profile

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