Experience

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  Shanghvi hi-tek industries limited

  Apr 2017 - Sept 2017

  Amazon e-commerce executive (internship)
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  Gold star pet private limited

  Jan 2020 - Mar 2022

  Junior financial analyst

  • Identified the areas to reduce the cost by performing a review of supplier contracts and cost-benefit analysis, which resulted in 6% cost reduction.• Performed financial review of monthly budget performance reports and detailed financial analysis to ensure departmental compliance with the allocated budgets and proactively address the anomalies, potential compliance issues, and significant budget variances.• Conducted in-depth financial analysis of payroll, capital projects, operating expenses, office supplies, and equipment to assess and determine budgetary requirements.• Successfully identified cost-saving opportunities resulting in a 10% reduction in operating expenses within the first six months of employment.• Analyzed daily reconciliation of payments and cash flow statement to present the findings to upper management.• Executed financial forecasting through the analysis of historical data and market trends and facilitated well-informed investment decisions for the company. Show less

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  Hdfc bank

  May 2022 - Nov 2022

  Assistant manager - retail banking

  • Disbursed cash credit loan totaling $1.17 million for a client by performing detailed financial analysis of their Profit and Loss Statement, Balance Sheet, Cash Flow Statement, and Tax Returns.• Awarded the title of ‘Banker of the Quarter’, in recognition of outstanding excellence and performance for achieving 3x quarterly cash credit loan targets.• Executed business valuation for companies to understand their financial health, creditworthiness, potential risks and providing feedback to the credit process department.• Developed and managed a diverse portfolio and its performance of high-net-worth individuals and their financial products - Current and Saving accounts, Mutual Funds, Systematic Investment Plans, Fixed Deposit, Term Deposits, and Insurance with year-on-year growth of 15% on the book size.• Performed routine industry analysis and industry trends assessment to keep up to date with other bank's offerings in terms of loan interest rates, loan processes and eligibility criteria.• Used financial expertise and strong communication skills to describe complex concepts and introduce products, offers, and strategies to generate a return on investment, make informed financial decisions, mitigate risks, and improve financial literacy for my clients.• Proficient in Know Your Customer process, which is a critical function to assess customer risk and legal requirement to comply with Anti-Money Laundering laws.• Managed and strengthened client relationships through up-selling and cross-selling at a rate of 30% to maximize retention and income generation by upgrading customers to alternative plans and product packages.• Executed cross-functional collaboration with multiple teams (loan, mortgage, financial advisor, credit process) to provide clients with optimal financial solutions.• Successfully achieved branch targets across a diverse range of areas - retail assets, business banking, forex, credit cards, and online trading. Show less