Amit Bajpai

Amit Bajpai (born 10 August 1982) is an Indian banking professional and Senior Vice President at HDFC Bank. Based in Lucknow, Uttar Pradesh, he has over 17 years of experience in retail loan underwriting and risk management across some of the most challenging banking terrains in India. He manages portfolios in Uttar Pradesh and Uttarakhand, a region representing nearly 20% of India’s population.

Early Life and Education

Amit Bajpai was born on 10 August 1982 in Lucknow, Uttar Pradesh. He completed his Bachelor of Commerce from Lucknow University in 2002. He then pursued an MBA in Finance at Lal Bahadur Shastri Institute of Management & Development Studies (UPTU), graduating in 2004.

Career

Amit began his career in 2004 as a Credit Domain Expert with ABN AMRO, Standard Chartered Bank, and ICICI HFC, focusing on compliance, mortgage underwriting, and delinquency management. He joined GE Money in 2005 as a Credit Manager, where he revitalized the Alambagh branch into a top performer and gained recognition for underwriting and mentoring skills.

In December 2006, he joined HDFC Bank Ltd. in Lucknow. Over the years, he progressed through multiple roles in loan underwriting and credit management, handling mortgages, LAP, auto loans, business loans, unsecured loans, CGTSME loans, and Dukandar loans.

HDFC Bank Career Progression

• Regional Head / Vice President – Underwriting, LAP & Business Loans (2024–Present)
• Vice President – Underwriting, Mortgages, Auto & ALP, UP & Uttarakhand (2021–2024)
• Regional Credit Manager / Deputy VP – Auto Loans, UP & Uttarakhand (2018–2021)
• Area Credit Manager – Auto Loans, UP & Uttarakhand (2016–2018)
• Area Credit Manager – Auto Loans, UP (2013–2016)
• Credit Manager – Mortgages & LAP, UP Central & UP East (2008–2013)
• Credit Manager – Mortgages & LAP, Kanpur (2006–2008)

He has led more than 50 credit managers (including 40+ chartered accountants), supervised portfolios exceeding INR 11,000 crore, and contributed to risk optimization and portfolio improvement. He also played a major role during the HDFC Ltd. and HDFC Bank merger, leading integration and due diligence.

Awards and Recognitions

• Best Rated Regional Credit Manager (2018) – HR survey recognition in North region
• Talent Pool Member (2015–2018 & 2020–2021) – HDFC Bank internal recognition
• Kill Bill I Award (2016) – For mortgage portfolio correction
• Best Performer (2014–2016) – Maintained TAT in mortgage processing for 3 consecutive years

Trainings

• Risk Management in Banking – Datamatics Limited, Mumbai (2003)
• Fraud Prevention Initiatives – Strategy development and execution

Skills

• Technical: ERP v9, EXE v1.0.1.12, LOS, Finnone, Finacle, MS Office
• Professional: Risk management, underwriting, portfolio management, audit compliance, stakeholder management, people leadership, process improvement
• Soft Skills: Change management, decision-making, relationship management, mentoring

External Links

• Instagram – Amit Bajpai
• LinkedIn – Amit Bajpai