Summary
Overview
Work History
Education
Skills
Websites
Hobbies and Interests
Affiliations
Languages
Timeline
Generic

Anushka Lunia

Ahmedabad

Summary

Senior Credit Analyst with proven expertise in credit assessment and financial analysis at Kotak Mahindra Bank. Five years of experience in corporate lending and project finance, focusing on comprehensive financial evaluations. Skilled in supporting informed investment decisions through detailed analysis of financial structures. Actively pursuing roles in project finance, credit analysis, debt financing, and equity financing.

Overview

6
6
years of professional experience

Work History

SME Credit (Senior Credit Analyst)

Kotak Mahindra Bank
Ahmedabad
03.2022 - Current
  • Company Overview: Appraising credit proposals from SME clients with annual turnovers up to INR 500 crores, covering both fund-based and non-fund-based working capital facilities and term loans ranging from INR 10 crores to INR 200 crores.
  • Conducting thorough creditworthiness evaluations by analyzing business models, industry outlook, management quality, financial performance, repayment capacity, account conduct, collateral adequacy, and regulatory compliance, all documented through detailed Credit Risk Assessment Notes.
  • Performing advanced financial statement analysis, cash flow projections, and ratio analysis to assess borrower viability and risk.
  • Utilizing expertise in due diligence, sectoral research, and market intelligence to support informed credit decisions.
  • Conducting on-site visits and maintaining strong client relationships to enhance information gathering and risk assessment.
  • Ensuring all lending activities adhere to the bank’s credit policies and RBI guidelines, with a strong focus on regulatory compliance and internal controls.
  • Monitoring the existing loan portfolio by comparing actual performance with projections, identifying early warning signals, and assessing default probabilities using risk modeling techniques.
  • Providing timely alerts regarding weaknesses in financial performance, operational issues, or account conduct to facilitate proactive risk mitigation.
  • Collaborating with cross-functional teams for operational effectiveness reviews, documentation checks, and compliance with transaction agreements.
  • Skilled in preparing detailed credit appraisal memos, presenting findings to credit committees, and supporting the sanctioning process with data-driven recommendations.
  • Proficient in using financial analysis tools, credit assessment software, and MS Excel for data analytics and reporting.
  • Appraising credit proposals from SME clients with annual turnovers up to INR 500 crores, covering both fund-based and non-fund-based working capital facilities and term loans ranging from INR 10 crores to INR 200 crores.

Partner – Chartered Accountant Firm

Lunia and Company
Ahmedabad
03.2020 - 03.2022
  • Company Overview: In addition to article ship experience
  • Filing of GST Returns
  • Preparation of Documents related to Project Finance.
  • Incorporation of new Company according to MCA guidelines
  • In addition to article ship experience

Intern- MSME Credit

Kotak Mahindra Bank
Bangalore
12.2020 - 01.2021
  • Analyzing Balance Sheet and External Factors affecting Client
  • Preparing First Cut
  • Analyzing and preparing Internal Rating
  • Preparation of CRAN following the norms and guidelines

Counsellor – Asset Restructuring Module

SIDBI
Ahmedabad
12.2019 - 02.2020
  • Extend handholding support to MSMEs for Asset Restructuring Module of MSMEs

Accountant – Chartered Accountant Firm

Lunia and Company
Ahmedabad
03.2019 - 12.2019
  • Statutory Audit
  • Tax Audit
  • Handling TDS work, Income Tax work.
  • Filing of ROC works.

Education

Chartered Accountant -

Institute of Chartered Accountants of India
Ahmedabad india
11.2019

Bachelor of Business Administration -

NR Institute of Business Management
Ahmedabad, India
05.2016

Skills

  • MS Office Suite
  • Credit assessment
  • Financial analysis
  • Risk modeling
  • Regulatory compliance
  • Cross-functional collaboration
  • Data analytics
  • Problem-solving abilities
  • Analytical thinking
  • Teamwork and collaboration
  • Accounting Softwares
  • Banking Softwares

Hobbies and Interests

  • Dancing
  • Travelling
  • Sketching
  • Baking

Affiliations

  • travelling and treking
  • cooking and baking
  • sketching

Languages

Hindi
First Language
english
Proficient (C2)
C2
Gujarati
Elementary (A2)
A2

Timeline

SME Credit (Senior Credit Analyst)

Kotak Mahindra Bank
03.2022 - Current

Intern- MSME Credit

Kotak Mahindra Bank
12.2020 - 01.2021

Partner – Chartered Accountant Firm

Lunia and Company
03.2020 - 03.2022

Counsellor – Asset Restructuring Module

SIDBI
12.2019 - 02.2020

Accountant – Chartered Accountant Firm

Lunia and Company
03.2019 - 12.2019

Chartered Accountant -

Institute of Chartered Accountants of India

Bachelor of Business Administration -

NR Institute of Business Management

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Anushka Lunia