Experience

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  Karnataka power corporation ltd

  Apr 2016 - May 2016

  Internship

   Analyzed the financial performance of the company using ratios.  Assisted in preparing financial reports such as cash flow statements. Verified the accuracy of the ledger books. Worked in bills department which deals with the scrutiny of bills relating to expenses.

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  Jana small finance bank

  Jul 2017 - Jun 2019

  Assistant manager

  • Assessing financial risks before the appraisal as per policy and strictly adhering to guides set forth by credit authorities’ policy.• Capable of making credit decisions for loan approvals and loan declines.• End to end project management to ensure harmony in the business outcomes and the organization’s goal.• Analyzed, reviewed & assessed reliability and fairness of financial statements & communicated findings to FRM.• Establish data tracking and MIS management in the branch.• Lead a team of 20 junior staff, coordinating the sales and operational functioning of the bank.• Gained 3 Crores of business through lead generation, money transfers & payments through Jana Wallet.• Coordinating with seniors, Disseminating & successfully negotiating incentive programs for retaining agents Show less

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  Hdb financial services ltd.

  Jun 2019 - Sept 2021

  Credit relationship manager

  • Appraises/ Recommends/ approves credit proposals as per delegation authority.• Assess creditworthiness of existing or prospective clients.• Forecasting & Analyzing individual/ entity financial statements, public information sources, individual credit reports & other relevant information to calculate the cash flow and balance sheet.• Complete analysis of the collateral & events of default to determine the potential loss in a default situation.• Independently identify and clearly articulate risks and mitigating factors that could impact the client ability to repay the loan.• Work with Sales & operations to ensure a seamless & timely delivery of credit to the client.• Responsible for Audit & Regulatory Compliance.• Researching and evaluating entities' creditworthiness includes understanding solvency, liquidity position, and repayment capacity.• Manage the timely renewal of accounts and enhance the portfolio.• Maintain the Database and making reports for monthly cases. Show less

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  Icici bank

  Sept 2021 - now

  Credit manager