Manav Bhardwaj
Toronto,Canada
Summary
Strategic and results-oriented professional with 10+ years of experience in corporate credit risk management, fintech, and product management. Proven ability to design and implement data-driven credit policies, manage regulatory compliance, and deliver innovative financial products that drive profitability and mitigate risk. Expertise in leveraging advanced analytics, stakeholder collaboration, and technical tools to align credit strategies with organizational objectives. Adept at cross-functional leadership, process optimization, and digital transformation initiatives in dynamic environments.
Overview
2025
2025
years of professional experience
1
1
Certification
Work History
Associate Vice President, Credit Risk Management
Moody’s Analytics
Senior Associate, Investment & Asset Research
Burnham Sterling & Company LLC
Portfolio Manager, Structured Finance
ING Bank
Sr. Manager , Credit
Inter-Co, Division 10 Inc.
04.2024 - Current
- Spearheaded the creation of real-time accounts receivable dashboards using Power BI, enabling executive-level insights and decision-making
- Formulated and implemented a company-wide credit policy, standardizing risk assessment and improving delinquency rates by 12%
- Managed a team of 12 across Canada and the USA, ensuring seamless credit evaluations and payment negotiations
- Delivered bi-weekly presentations to C-suite executives, aligning collection strategies with organizational goals
Sr. Manager, Credit
Just Energy
10.2021 - 03.2024
- Reduced bad debt by 15% while overseeing a $4.6M fraud prevention initiative using Lexis Nexis and SentiLink technologies
- Streamlined Salesforce integration for fraud monitoring, reducing operational turnaround time by 75%
- Partnered with cross-functional teams to enhance customer payment processes, delivering a 20% improvement in recovery rates
- Successfully led the Digital Identity Trust (DIT) project, preventing high-value fraud through advanced analytics
Senior Analyst, Credit & Payments
Agile IT Tech
08.2020 - 09.2021
- Directed the end-to-end implementation of a front and middle-office trading system for risk management and deal capture
- Authored comprehensive BRDs and FRDs, facilitating seamless translation of business requirements into actionable IT deliverables
- Conducted user acceptance testing (UAT) to ensure successful project completion, meeting tight deadlines and quality benchmarks
Credit Supervisor, Credit North America
Western Union Business Solutions
08.2018 - 04.2020
- Managed the second-largest credit portfolio in North America, providing customized credit facilities for high-value corporate clients
- Collaborated with product teams to enhance credit models, including ERS 2.0 and AES 4.0, improving risk assessment accuracy
- Conducted in-depth risk evaluations, integrating economic and market trends into credit limit adjustments
Education
MBA ( Canadian WES Accredited) - Finance
Rotterdam School of Management
01.2008
Post-Grad Diploma - General Management & Telecommunications
Indian Center for Telecom & Management
01.2004
B.Sc. - Computer Science
Jiwaji University
01.2000
Skills
- Credit Risk Management & Policy Formulation
- Financial Analysis & Modeling
- Product Lifecycle Management
- Agile & Scrum Methodologies
- Fraud Detection & Prevention
- Stakeholder Management & Collaboration
- Data-Driven Decision Making
- Regulatory Compliance
- Power BI
- Salesforce
- SQL
- Tableau
- Experian
- Java
- Oracle
- C
- Lexis Nexis
- Moody’s Analytics
- ZOHO
- Capital IQ
Certification
- Project Management Professional (PMP)
- Certified Scrum Product Owner (CSPO)
Earlierroles
- Associate Vice President, Credit Risk Management, Moody’s Analytics (India)
- Senior Associate, Investment & Asset Research, Burnham Sterling & Company LLC (India/USA)
- Portfolio Manager, Structured Finance, ING Bank (Netherlands)
Languages
English
Full Professional
Accomplishments
- Resolved product issue through consumer testing.
- Controlled bad debt within board stipulated limits for Fy22-23 despite 10% sales book growth during the period.
- Upheld all internal controls associated with credit risk, closing 10 gaps identified by auditors to comply with regulations and compliance code .
- Supervised team of 5 staff members.
Affiliations
MBA , Rotterdam School of Management(WES Canadian Equivalency), Erasmus University.
Computer Science Graduate
PMP , pursuing
Agile and Scrum certified
Timeline
Sr. Manager , Credit
Inter-Co, Division 10 Inc.
04.2024 - Current
Sr. Manager, Credit
Just Energy
10.2021 - 03.2024
Senior Analyst, Credit & Payments
Agile IT Tech
08.2020 - 09.2021
Credit Supervisor, Credit North America
Western Union Business Solutions
08.2018 - 04.2020
Post-Grad Diploma - General Management & Telecommunications
Indian Center for Telecom & Management
B.Sc. - Computer Science
Jiwaji University
Associate Vice President, Credit Risk Management
Moody’s Analytics
Senior Associate, Investment & Asset Research
Burnham Sterling & Company LLC
Portfolio Manager, Structured Finance
ING Bank
MBA ( Canadian WES Accredited) - Finance
Rotterdam School of Management
Similar Profiles
Rooparani Rooparani null
Data Operations Lead at Moody’s Analytics India Private LimitedData Operations Lead at Moody’s Analytics India Private Limited
Parhitosh SharmaParhitosh Sharma
Data Analyst at Moody’s AnalyticsData Analyst at Moody’s Analytics
MAYUR SHARMAMAYUR SHARMA
Assistant Director at Moody’s AnalyticsAssistant Director at Moody’s Analytics
Teresa MurilloTeresa Murillo
CRE Researcher at Moody’s AnalyticsCRE Researcher at Moody’s Analytics
Jenny Cheng LYUJenny Cheng LYU
Salad Prep Cook (Cold Station) at Cafe on the SquareSalad Prep Cook (Cold Station) at Cafe on the Square