Richa Jha

Experience

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  ICICI Bank

  Apr 2018 - Sept 2021

  - Evaluating financial statements of self-employed business segments- Analyzing the credibility of a business concern through various financial ratios and evaluating the risk concerned in lending- Managing compliance of existing loan portfolio, industry concentration, timely identification of warning signals, timely renewals, and timely review of stressed level accounts- Account monitoring and review- Managing the existing loan portfolio (500 million) to ensure establishment of appropriate account plans, recommend credit facilities in line with Bank credit policies to maximize earnings while containing risks to an acceptable level.- Develop and maintain strong working relations with all existing clients at key levels to optimize the utilization of approved facilities- Establish new borrowing relationships for Business Banking (SME), preparing the required credit and financial analysis as per the bank policies and procedures to enhance the bank’s market share. Show less

  • Deputy Manager - II

    Apr 2018 - Sept 2021

  • Deputy Manager - I

    Apr 2018 - Sept 2021
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  Kotak Mahindra Bank

  Sept 2021 - May 2022

  Manager

  - Handling portfolio up to 150 million consisting of Working capital loan, foreign currency term loan.- Conduct risk assessments on potential clients based on previous borrowing history, credit rating, industry experience and other factors. Request additional information from Branch Banking team when appropriate.

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  Axis Bank

  May 2022 - now

  Manager

  - Understanding of business model, financial statements, analysing various risks based on quantitative & qualitative information.- Managing various financial products such as Lease rental discounting, Supply chain finance, working capital loan, Term loan, Letter of credit and Bank Guarantee up to size of 2500 million.- Monitoring the existing loans/advances portfolio to maintain its quality and ensuring compliance with the bank guidelines.- Maintenance of MIS and presenting it to the senior management.- Training and mentoring new joiners in the team along with conducting various sessions with Branch Banking team on how to analyse probable working capital clients. Show less

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  .....

  Aug 2023 - Aug 2023

  Senior Business Analyst