Aarti Sharma
Risk Analyst
Mumbai
Summary
Risk Management professional with deep understanding of identifying, evaluating and mitigating credit risk. Strong focus on team collaboration and delivering results. Known for reliability, critical thinking and effective communication.
Overview
5
5
years of professional experience
5
5
years of post-secondary education
Work History
Risk Analyst
Indusind Bank Limited
12.2023 - Current
- Portfolio performance analysis on key risk/underwriting parameters and policy modification recommendation basis the same (for retail assets)
- Liaising with stakeholders for evaluation of business impact and portfolio performance of policy change
- Liaising with stakeholders (business units, analytics team, compliance team etc.) to ensure adherence to RBI compliance/queries (RMP’s and RAR observations)
- Preparation of Credit Portfolio Monitoring Report, RMC/BoD memos reporting the same to senior management
- Liaising with business units and policy team for annual credit policy renewal and portfolio review
Credit Manager
Poonawalla Fincorp
08.2022 - 12.2023
- Managing end-to-end credit underwriting process for unsecured loan proposals within the defined TAT
- Performing the detailed analysis of bank statements, financials like ITR, GST and CIBIL report etc. to assess the credit worthiness of the applicant
- Conducting personal discussions (telephonic and video) with the applicant to understand applicant’s existing business operations and future business expansion plans, requirements and end use of loan funds, existing loans and obligations
- Managing the quality and delinquency of portfolio by performing audit of disbursed applications and providing feedback to managers
Associate Consultant
CRISIL Risk and Infrastructure Solutions Ltd.
02.2021 - 08.2022
- Managed a multi-lateral retail refinance assignment between AFD, EU and NHB worth 112 Mn. Euro
- Performed technical and financial due diligence on the disbursement to be done to primary lending institutions by NHB – National Housing Bank
- Prepared annual progress reports, quarterly progress reports, review meeting agenda etc.
- Managed the other key deliverables of the assignment such as communication activities, training - capacity building activities, awareness raising programs etc.
- Performed FDD (financial due diligence) and advised on financial or non-financial partnership to NSDC
- Prepared due diligence report incl. CMA projections by interacting with stakeholders, evaluating bureau report, incorporation documents, financial statements etc.
Project Finance Analyst
DOT CAPITAL
09.2020 - 02.2021
- Analyzed of cost of the project, means of finance, financial statements for projects ranging up to INR 150 Cr
- Prepared the credit appraisal notes, credit reports, CMA projections, disbursement schedules etc.
Management Trainee (Consultant)
JM FINANCIAL PRODUCTS LTD. (DWELLO)
01.2020 - 09.2020
- Qualified the leads generated into the system in minimum TAT and consulted them to identify their needs, preferences and financial concerns
- Conducting negotiations with developers on behalf of clients and communicated with legal counsel to prepare sale and lease documents
Education
PGPM/MBA -
ICFAI Business School
01.2018 - 01.2020
B. Com (hons.) - undefined
MCM DAV COLLEGE For Women Punjab University
01.2015 - 01.2018
Skills
Portfolio Analysis
Portfolio Monitoring
RBI reporting
Risk Evaluation and Risk Mitigation
Awards
- Awarded with Prodigy for H2 FY 23 for showcasing exceptional performance in the early phase of joining Poonawalla Fincorp
- Secured a position in top 5% of the students of the college during MBA and topper in School in HSC and SSC
Timeline
Risk Analyst
Indusind Bank Limited
12.2023 - Current
Credit Manager
Poonawalla Fincorp
08.2022 - 12.2023
Associate Consultant
CRISIL Risk and Infrastructure Solutions Ltd.
02.2021 - 08.2022
Project Finance Analyst
DOT CAPITAL
09.2020 - 02.2021
Management Trainee (Consultant)
JM FINANCIAL PRODUCTS LTD. (DWELLO)
01.2020 - 09.2020
PGPM/MBA -
ICFAI Business School
01.2018 - 01.2020
B. Com (hons.) - undefined
MCM DAV COLLEGE For Women Punjab University
01.2015 - 01.2018
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