ADITI PANDEY
Lucknow
Summary
Dynamic Credit Manager with a proven track record at HDFC Bank, adept at enhancing credit risk management through strategic underwriting policies. Proficient in MS Excel and Tally ERP 9, I excel in financial analysis and collaboration, driving business growth while ensuring robust credit evaluations. Committed to delivering results and fostering strong team relationships.
Overview
6
6
years of professional experience
Work History
Credit Manager -PL/Credit Card
HDFC BANK
Lucknow
11.2023 - 05.2025
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential rise Tactors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Collaborated with sales and finance teams to balance risk and business growth.
Accountant
Kapoor Preservation LLP
Lucknow
07.2022 - 10.2023
- Preparing weekly and monthly reports.
- Handling the accounts of the company.
- Updating internal system with financial data.
- Cash handling.
- Bank reconciliation and payment collection.
- Updating balance sheets.
- Maintain GST Returns.
Accounts Executive
Miglani & Co.
01.2019 - 01.2022
- Analyzed sales and financial performance to understand company needs and future goals.
- Handling various kinds of firms.
- Reconciliation of Balance sheets.
- Filling mandatory returns.
- Assisting in processing balance sheets, income statements and other financial statements.
- Maintaining clients data of his firms.
- Handling income tax assessment work.
Education
Master of Commerce -
Rajat Degree College
11.2022
Bachelor of Commerce -
Karamat Girls Degree College
05.2019
Skills
- MS EXCEL
- Tally ERP 9
- Accounting
- Microsoft Office
- Financial accounting
Timeline
Credit Manager -PL/Credit Card
HDFC BANK
11.2023 - 05.2025
Accountant
Kapoor Preservation LLP
07.2022 - 10.2023
Accounts Executive
Miglani & Co.
01.2019 - 01.2022
Master of Commerce -
Rajat Degree College
Bachelor of Commerce -
Karamat Girls Degree College
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