Highly accomplished finance professional with extensive experience in both financial analysis and credit assessment. Proven track record in evaluating credit applications, managing lending portfolios, and mitigating risks effectively also efficient in carrying out and analyzing budgets.
Overview
7
7
years of professional experience
1
1
Certification
Work History
SENIOR FINANCIAL ANALYST
SCOREME SOLUTIONS PVT. LTD.
Gurugram
2021.02 - 2023.01
Engaged with clients to understand their unique requirements and deliver tailored financial solutions for the credit assessment
Providing analyses of individuals' or companies' financials and bank statements to clients for a prompt and enhanced credit assessment
Developed sophisticated models using bureau reports to assess potential risk and customer payment behaviors
Developed a risk model to generate scores based on the overall performance of entities, derived from bank statements, credit reports, financial statements, and other KYC tools
Derived continuous products improvement by conducted timely analysis of tax reports, credit bureau reports, financial and bank statements for individuals and entities
Collaborated with technical teams to implement the developed financial solutions through automation
Ensured accurate maintenance and reconciliation on of the company's revenue sheet while proactively managing client balances.
CREDIT RISK OFFICER
INDIFI TECHNOLOGIES PVT. LTD.
Gurugram
2020.01 - 2020.06
Initiated the credit assessment process by conducting thorough client evaluations and comprehensive analysis
Thoroughly scrutinized credit information to determine eligibility for specific customers
Assessed risk factors and recommend appropriate credit limits and terms in adherence with company's policy and guidelines
Performed a comprehensive analysis of the customer's tax reports, financial and banks statements to gauge financial stability
Conducted assessments of customer's credit and debit transactions, existing monthly obligations, ensuring a comprehensive understanding of financial standing.
SENIOR UNDERWRITER EXECUTIVE
SBI CARD
Gurugram
2017.10 - 2019.12
Responsible for acceptance and denial of credit applications
Evaluated the applications with precision to ensure responsible lending practices
Reviewed financial and bureau information, identifying potential risk and making informed adjustments
Reviewed home and office address verification reports and to compare KYC documents authenticity with the verification reports
Employed sound judgmental skills to mitigate credit risk during application analysis and decisively made acceptance or denial decisions
Determined suitable credit limits based on thorough assessments for approved applicants
Mentored the team of new joiners, provided guidance for Underwriting practice.
CREDIT ANALYST
IFCI LTD.
New Delhi
2015.11 - 2017.10
Reviewed credit applications to assess risk on new accounts
Analyzed financial reports to evaluate borrower viability
Prepared terms and conditions for financial agreements
Processed payments and bills in the system for borrowers
Reconciled debtors list and sent timely reminders for overdue payments
Monitored fund utilization through various agency reports.
Education
MSC. IN INTERNATIONAL ACCOUNTING AND FINANCE -
Dublin Business School
01.2024
BACHELOR OF BUSINESS ADMINISTRATION -
Indraprastha University
06.2014
Skills
Underwriting
Risk Analysis
Credit Analysis
Financial Analysis
Power Query
Power BI
MS Office (MS Word, MS PowerPoint, MS Excel)
Financial Management
Budget Forecasting
Credit Decision Making
Data Analysis
Statement Review
Financial Forecasting
Risk Assessment
Certification
2020, FUNDAMENTALS OF CREDIT, Corporate Finance Institute
2022, POWER BI, Edureka
Accomplishments
Promoted from Financial Analyst to Senior Analyst at SCOREME SOLUTIONS PVT LTD.
Promoted from Executive to Senior Executive at SBI CARDS, 2 times “Employee of the Month” award for outstanding performance at SBI CARD..
Secured topmost rating in team in Annual Performance review at SBI CARD.
Received letter of recommendation from Government of India.
Affiliations
Impact of USA – China Trade War on Global FDI.
Investment Evaluation report of Apollo Tyre 2021-22.
Current Valuation European banking sector (post Brexit & rapid increase in interest rates).
Financial Analysis of RS Group PLC 2021-22
Timeline
SENIOR FINANCIAL ANALYST
SCOREME SOLUTIONS PVT. LTD.
2021.02 - 2023.01
CREDIT RISK OFFICER
INDIFI TECHNOLOGIES PVT. LTD.
2020.01 - 2020.06
SENIOR UNDERWRITER EXECUTIVE
SBI CARD
2017.10 - 2019.12
CREDIT ANALYST
IFCI LTD.
2015.11 - 2017.10
MSC. IN INTERNATIONAL ACCOUNTING AND FINANCE -
Dublin Business School
BACHELOR OF BUSINESS ADMINISTRATION -
Indraprastha University
2020, FUNDAMENTALS OF CREDIT, Corporate Finance Institute
2022, POWER BI, Edureka
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