Experience

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  Garg bansal and associates

  Feb 2011 - May 2012

  Article assistant

  •Accounting work: - Maintenance of books of accounts and analysis of financial statements•Taxation: - Computing and filing of returns of income tax and wealth tax•Auditing: - Audit work papers and documentation and scrutinising financial statements

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  Amul (gcmmf)

  May 2013 - Jun 2013

  Summer intern

  •Analyzed the working behaviour of milk distributors vis a vis the retailers•Identified the gaps in distribution network by understanding the needs and concerns of distributors/retailers•Developed strategies and gave recommendations to fill the gaps identified

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  Kj somaiya medical hospital

  Jul 2013 - Aug 2013

  Live project

  •Identified the loopholes in the inventory system for major consumables of Somaiya Hospital •Developed sourcing strategy by identifying alternative suppliers streamlining the purchasing system

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  State bank of india

  Jul 2015 - Dec 2017

  Assistant manager

  •Well versed in handling financial and non-financial transactions in CBS entailing to Saving Bank Accounts, Current Accounts, Term Deposits, Cash Management, Outward Remittance, NEFT and RTGS Transactions.•Acquiring and Managing portfolio of Business Banking (SME) clients -Credit Appraisal and Underwriting of loan applications within defined guidelines -Preparation of CMA and assessing Risk through Credit Risk Assessment (CRA) for clients -Verifying the credibility of customers through Credit Information Bureau India Ltd and Equifax -Managing the entire paper work for the clients and ensuring timely disbursements of the credit facilities Show less

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  Icici bank

  Dec 2017 - Aug 2021

  Senior manager / credit analyst (credit risk & monitoring)

  •Performing due diligence and credit analysis of the client (Corporate Banking) at the time of renewal of sanctioned limits•Monitoring of existing limits extended to Corporates and provide Early Warning Signals (EWS)•Analysing financial and operational performance of clients on an on-going basis and raising flag in case of anomalies for existing corporate accounts•Identifying the key factors that drive a company’s future performance and evaluate the likely impact on its repayment capabilities and credit standings•Undertaking high quality industry analysis to identify risks affecting the assets Show less

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  Exl

  Sept 2021 - Sept 2023

  Senior consultant/manager (credit risk specialist)

  • Part of Credit & Settlement Risk team (Europe) of a leading payment network company.• Credit Evaluations of existing clients using CAMELS model (primarily Banking Institutions and Fintechs of Europe region), Credit Risk Monitoring and Identification of risk• Review and Evaluation of country (sovereign) risk• Management of client collateral to mitigate risk including collecting, releasing and waiving collateral• Monitor performance of issuing and acquiring clients• Reporting on CSR risk to senior management, business and global team Show less

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  Aditya birla finance limited

  Oct 2023 - now

  Senior chief manager

  Infrastructure Finance