Pratik Goda

Experience

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  ANS Financial Services

  May 2020 - Jun 2020

  Consumer Relations Manager

  I interned with AJAY NATAVERLAL SECURITYS PVT. LTD. and my project title was "STUDY ON CONSUMER BEHAVIOUR TOWARDS ONLINE TRADING IN STOCK MARKET ". Through this project I can Get a good experience of corporate culture, learn all alternative investment avenues through which increase my academic knowledge, applied my theoretical concept in reality.

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  Aditya Birla Fashion and Retail Ltd - Pantaloons

  Aug 2020 - Oct 2020

  Customer Relationship Management Analyst

  This is team based project, at that time company facing problem of retail participation of customer is very low so we have to find the solution about it , after we brain-storming with each other we have to convert company's challenge in to opportunity with running WhatsApp campaign between retail customers of pantaloon ( Aditya Birla fashion and retail ltd. ) After running WhatsApp campaign, it's results are extremely positive by increasing 3% to 5% in online purchasing clothes. In this project we will learn that how to convert any challenge in to new opportunities for company Show less

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  HDFC securities

  Sept 2021 - Jan 2022

  Relationship Manager

  As a Relationship Manager at HDFC securitise for 5 months, my role was pivotal in building and maintaining strong relationships with clients. I acquired comprehensive knowledge of various financial products, including equity, options, mutual funds, fixed deposits (FD), bonds, and insurance. During my tenure, I consistently demonstrated professionalism, excellent communication skills, and a deep understanding of the financial industry. Key Responsibilities:- Developed and managed relationships with a portfolio of clients, ensuring their satisfaction and retention.- Conducted in-depth discussions with clients to understand their financial goals, risk tolerance, and investment preferences.- Provided personalized investment advice and recommendations based on clients' needs and objectives.Achievements:- Successfully increased the client base by proactively sourcing and onboarding new clients through referrals and networking.- Consistently achieved and exceeded monthly targets for client acquisition, revenue generation, and customer satisfaction.- Developed and implemented a client engagement strategy, including regular communication and portfolio reviews, resulting in improved client retention.Skills:• Strong knowledge of equity markets, options, mutual funds, fixed deposits, bonds, and insurance products.• Exceptional relationship management and client service skills.• Proficient in portfolio management and investment analysis.• Excellent communication and presentation abilities.In my role as a Relationship Manager at the trading company, I gained valuable experience in client relationship management and developed expertise in various financial products. I am confident that my skills, knowledge, and dedication will make a positive contribution to any organization seeking a seasoned professional in the financial industry. Show less

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  ECONO BROKING

  Feb 2022 - Jun 2022

  Junior Risk Mnager

  As a Junior Risk Manager at a trading company for 4 months, I gained valuable experience in overseeing and managing various risk factors associated with the overall volume of the Rajkot branch. With a deep understanding of risk management principles and practices, I successfully contributed to mitigating potential threats and optimizing operational efficiency.In this role, I actively monitored market trends, analyzed trading patterns, and assessed potential risks associated with the branch's activities. By utilizing data-driven insights, I effectively identified and evaluated market risks, credit risks, and operational risks, ensuring compliance with industry regulations and internal policies.Working closely with the team, I implemented robust risk assessment frameworks, conducted risk evaluations, and devised risk mitigation strategies. I collaborated with different departments to develop and enhance risk management procedures, promoting a culture of risk awareness and proactive decision-making.Additionally, I leveraged my analytical skills to generate comprehensive risk reports, providing senior management with valuable insights to make informed business decisions. I actively participated in risk review meetings and communicated risk-related updates to stakeholders, fostering transparency and alignment across the organization.My tenure as a Junior Risk Manager allowed me to develop strong problem-solving abilities, attention to detail, and the ability to thrive in a fast-paced environment. I demonstrated effective communication skills, fostering collaborative relationships with team members and stakeholders.Through my experience, I have acquired a solid foundation in risk management principles, practices, and tools. I am now seeking new opportunities to further apply my skills and contribute to the success of organizations in managing risks effectively. Show less

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  ICICI Home Finance Company Limited

  Jun 2022 - May 2024

  During my 9-month tenure at ICICI Home Finance Company, I had the privilege of starting as a Junior Portfolio Manager and was subsequently promoted to the role of Portfolio Manager. With a strong foundation in credit policies, home loans, loan against property, and the disbursement process of home loans, I have developed a comprehensive understanding of the intricacies of the mortgage industry.In my role as Portfolio Manager, I successfully managed a diverse portfolio of clients, overseeing their financial needs and ensuring smooth operations. I collaborated closely with cross-functional teams, including underwriters, credit analysts, and legal departments, to assess and mitigate risk, while ensuring compliance with regulatory guidelines.My responsibilities extended to analyzing creditworthiness, evaluating loan applications, and presenting recommendations to senior management. I implemented robust strategies to streamline processes and enhance efficiency, resulting in improved turnaround times and increased customer satisfaction.Additionally, I actively contributed to the development and implementation of credit policies and procedures, ensuring adherence to industry best practices. With a keen eye for detail, I conducted thorough due diligence, identifying potential risks and implementing appropriate risk mitigation measures.Throughout my tenure, I demonstrated exceptional analytical skills, making informed decisions and providing valuable insights to support business growth. My ability to multitask and prioritize ensured timely completion of projects and exceeded targets.I am now seeking new opportunities to leverage my expertise in the mortgage industry, contribute to the success of a dynamic organization, and continue driving excellence in credit management and operations. Show less During my 9-month tenure as a Junior Portfolio Manager at ICICI Home Finance Company, I gained valuable experience and knowledge in various aspects of credit policies, home loans, loan against property, and the disbursement process. As a Junior Portfolio Manager, I actively participated in analyzing and implementing different credit policies to ensure efficient and compliant lending practices. I worked closely with the credit team to assess the creditworthiness of borrowers and evaluate their loan applications. This involved analyzing financial statements, credit scores, and other relevant information to make informed lending decisions.Furthermore, I developed a strong understanding of the home loan and loan against property products, including their features, eligibility criteria, and documentation requirements. I played a key role in guiding customers through the loan application process, providing accurate and timely information, and addressing any queries or concerns they had.In addition to credit-related responsibilities, I actively contributed to the smooth functioning of loan disbursal operations. I collaborated with internal departments, such as legal, operations, and compliance, to ensure timely processing and disbursement of approved loans. I consistently maintained accurate records and documentation, adhering to regulatory guidelines and internal policies.Overall, my experience at ICICI Home Finance Company equipped me with a comprehensive understanding of credit policies, home loans, loan against property, and loan disbursal operations. I am confident in my ability to leverage this knowledge to contribute effectively in a similar role and add value to the organization. Show less

  • Portfolio Manager

    Feb 2023 - May 2024

  • Junior Portfolio Manager as Executive Trainee

    Jun 2022 - Jun 2023
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  Edelweiss Housing Finance Limited

  Mar 2024 - now

  Credit Manager

  As a former Portfolio Manager at ICICI Home Finance Ltd for 1 year and 9 months, I am thrilled to join Edelweiss Housing Finance Limited as a Credit Manager. My new role focuses on Prime Home Loan and Prime Mortgage Loan Credit Underwriting. With a strong foundation in credit risk management and portfolio optimization, I am dedicated to implementing effective credit solutions. Looking forward to contributing to Edelweiss's continued success in the housing finance sector.