Dhruvi S.

Experience

• 

  Ventura Air Connect

  May 2017 - Jun 2017

  Summer Intern

  > It's an Indian based Company - Non scheduled Domestic Airline.> Had promoted awareness by One to one marketing strategy.> Understood its scope in the domestic market.> Studied expectations of Localities especially Business Owner -Target Audience & shared findings/analyzed reports to the company.

• 

  Lendingkart

  Jul 2018 - now

  > Assessing clients creditworthiness by evaluating financials i.e. Bank statements, cibil bureau track, ITR (balance sheet,P&L) as per defined company's Credit policies.> Determining monthly debt, liability from bank statements, ITR, Cibil, Equifax, Commercial Cibil, Revenue reconciliation from GST, Bank statements and financial.> Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity & preparation of appraisal notes, credit underwriting etc.> Personal conversation with clients to gain a comprehensive understanding of business.> Presenting the proposal to various sanctioning forums and get it sanctioned from approving authority satisfying all their queries.> Actively Giving Inputs for better enhancement of Process Flow.> To get the amount sanctioned with minimum TAT.> Verifying the field investigation reports,checking latest Cibil & Bank statement before Disbursement. Show less > Verified and validated the client's documents (Bank statements, KYC,ITR, etc.)which was further required for credit evaluation purpose.> Screened fraudulent documents, If Any.> Analyzed the CIBIL reports, evaluated client's records,past payment history.> After completing the screening process, the loan application was submitted to Credit Team for approval.> Solved Internal Queries.> In times, used to Handle the Team, taken Team Inputs, managed the people.> Co-ordinated with multiple teams including Inbound sales Team, BDE's customer support, Tech Team for process Improvement.> Quality Based profile, High Accuracy, Maintained TAT.> Worked on various Projects having different impacts and criterias.> Given Training and Induction regarding Process Flow to a new joinee in a Team/Company. Show less

  • Senior Credit Analyst

    May 2023 - now

  • Senior FinOps Analyst

    Jul 2018 - Apr 2023