Aniket Gupta
Pune
Summary
Results-oriented professional focusing on credit risk analysis and portfolio performance. Coordinates credit decisions and risk assessments, proactively identifying early warning signs to mitigate potential losses. Applies robust analytical skills to manage a significant pan-India credit portfolio, ensuring compliance and strategic alignment with business objectives.
Overview
9
9
years of professional experience
Work History
Zonal Credit Manager
Bajaj Finserv
Pune
06.2025 - Current
- Managed pan-India credit accounts for business loan operations, overseeing a 1040 crore portfolio to ensure effective risk management.
- Coordinated credit decisions and risk assessments, enhancing portfolio performance through strategic insights and actions.
- Managed a team of 45 credit analysts to improve decision quality.
- Proactively identified early warning signs of deteriorating account performance through diligent monitoring of key performance indicators.
- Implemented automation in underwriting processes, streamlining operations and reducing turnaround time.
- Delivered regular credit training sessions to keep team current on best practices.
Regional Credit Manager
Bajaj Finserv
Pune
06.2023 - 05.2025
Area Credit Manager
Bajaj Finserv
Pune
09.2018 - 05.2023
Rating Analyst
Acuite Ratings & Research Limited
Mumbai
12.2017 - 09.2018
- Conducted rigorous credit risk analysis for mid and large corporates, informing investment decisions.
- Benchmarked findings against peers, assigned ratings, and prepared committee reports, contributing to informed credit evaluations.
- Analysed profit and loss, balance sheet, and key ratios to forecast corporate performance, supporting strategic planning.
Financial Analyst - Internship
Barclays
Mumbai
03.2017 - 06.2017
- Recast financial statements using Barclays compliance model, enhancing accuracy for risk assessment.
- Conducted due diligence analysis to identify and challenge inconsistencies in reported figures.
- Reviewed financials of leading UK and US companies across multiple sectors to identify trends and insights.
Education
PGDM - Finance & Marketing
International School of Business & Media
Pune01-2018
Bachelor of Business Administration - Finance & International Business
Sharda University
Greater Noida01-2016
Skills
- Credit risk analysis
- Portfolio management
- Credit policy development
- Automation implementation
- Decision making
- Team leadership
- Stakeholder management
- Effective communication
Accomplishments
- Awarded "Empowerment Champion", June 2026, Bajaj Finserv
- Awarded "Milestone Award", October 2025, Bajaj Finserv
Timeline
Zonal Credit Manager
Bajaj Finserv
06.2025 - Current
Regional Credit Manager
Bajaj Finserv
06.2023 - 05.2025
Area Credit Manager
Bajaj Finserv
09.2018 - 05.2023
Rating Analyst
Acuite Ratings & Research Limited
12.2017 - 09.2018
Financial Analyst - Internship
Barclays
03.2017 - 06.2017
PGDM - Finance & Marketing
International School of Business & Media
Bachelor of Business Administration - Finance & International Business
Sharda University