AAKHYA GARG
Delhi NCR
Summary
Experienced Credit Analyst offering well-developed skills in managing teams, record updates, and financial statement reviews. Pursuing a position in a busy organization where a qualified individual with an understanding of collections is highly sought.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Credit Analyst – CAMPU TEAM (SME LOANS) Underwriter
AXIS BANK
09.2020 - Current
- Line of work – Carrying out renewal and enhancement of onboarded SEG customers with turnover from 10.0 Cr to 100.0Cr in North India
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Evaluated financial stability and creditworthiness through comprehensive underwriting & due diligence
- Processed over 240 loan proposals annually, ensuring swift decisions with high accuracy, leading to a 20% productivity increase
- Assessed and proposed Commercial Banking products such as Cash Credit, Overdraft, Supply chain finance, Loans such as Loan Against Property (LAP), DLOD, Non-Fund Based products such as LC, BG, LER limit.
- Interacted with diverse borrowers to grasp their business models, challenges, and enhance product offerings while fostering relationships.
- Developed relationships with external partners such as creditors, appraisers, title companies, in order to facilitate smooth processing of loan applications.
- Technologies/ Tools on hand: RAM Tool, Finacle, Perfios, CRILC, CIBIL, BQS, EWS Score
Deputy Manager – Treasury (Derivatives Dept)
AXIS BANK
06.2017 - 05.2019
- Member of Structuring division of Derivatives Team.
- Analyzed complex financial information related to capital investments, debt financing options, derivatives contracts, risk management instruments.
- Executed pricing of various FX Currency and Interest Rate Derivative Structures such as Options, Swaps, Forwards etc.
- Performed periodic reviews of financial statements and reports - Balance sheets, income statements, and cash flow statements.
- Assisted the Sales Team by providing tailored structures and products aligned with their clients' needs, leveraging insights gained from monitoring industry developments.
- Hands on experience of Bloomberg Platform as an aid for our business needs.
Software Engineer
Nucleus Software Limited
02.2014 - 06.2015
- Co-ordinated between the Product Development Department and client resulting in a 25% reduction in project turnaround time.
- Assisted with planning, designing, coding, debugging, testing, documenting, and maintaining software applications.
- Coordinated testing and validation procedures through software development lifecycle.
- Hands on experience on FinnAxia; Cash Management Software
SUMMER INTERNSHIP
Gift XOXO
- Conducted in-depth research on vendor mapping and market competition.
- Verified the credibility of existing vendors by analyzing customer reviews as part of the Business Development Department.
- Recommended website page layout enhancements to improve attractiveness and user-friendliness.
Education
MBA - Finance
INTERNATIONAL INSTITUTE OF MANAGEMENT
NEW DELHI03-2017
B.Tech - Electrical, Electronics And Communications Engineering
JAYPEE INSTITUTE OF INFORMATION TECHNOLOGY
Noida03-2013
Standard XII -
Delhi Public School
Noida03-2009
Standard X -
Delhi Public School
Noida03-2007
Skills
- Underwriting
- Financial statement review
- Loan Documentation
- Banking operations
- Cash Flow analysis
- Risk Assessment & Credit analysis
- Customer Engagement
- Proficient with RAM Tool, Finacle, Perfios, CRILC, CIBIL, BQS, EWS Score, Bloomberg
Certification
FRM Level 1 (August 2017)
Timeline
Credit Analyst – CAMPU TEAM (SME LOANS) Underwriter
AXIS BANK
09.2020 - Current
Deputy Manager – Treasury (Derivatives Dept)
AXIS BANK
06.2017 - 05.2019
Software Engineer
Nucleus Software Limited
02.2014 - 06.2015
SUMMER INTERNSHIP
Gift XOXO
MBA - Finance
INTERNATIONAL INSTITUTE OF MANAGEMENT
B.Tech - Electrical, Electronics And Communications Engineering
JAYPEE INSTITUTE OF INFORMATION TECHNOLOGY
Standard XII -
Delhi Public School
Standard X -
Delhi Public School
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