Summary
Overview
Work History
Education
Skills
Internship
Languages
Hobbies and Interests
Projects
Languages
Timeline
Generic

ANUSHKA SHARMA

Bengaluru

Summary

MBA Graduate in Finance & HR with 6 months of experience in Industry. Currently working as Sr. Credit Analyst. Detail-oriented Person skilled in analyzing financial and operational data, constructing financial models and delivering high-quality work within deadlines. Seeking to contribute strong analytical skills, collaborative teamwork, and effective communication to a dynamic finance role.

Overview

1
1
year of professional experience

Work History

Sr. Credit Analyst

WeRize Ltd
Bangalore
02.2024 - Current
  • Reviewed and analyzed financial statements to assess creditworthiness of potential customers.
  • Identified and monitored risks associated with customer accounts.
  • Developed credit policies and procedures for loan origination, underwriting, servicing, and collections processes.
  • Monitored industry trends in lending practices and regulations to ensure compliance with applicable laws.
  • Conducted detailed analysis of customer data including cash flow, liquidity, profitability, leverage ratios, collateral values.
  • Maintained relationships with internal departments such as sales teams, legal advisors, operations personnel and external organizations such as vendors or auditors.
  • Evaluated requests for new loans or line increases based on established criteria.
  • Analyzed loan applications submitted by corporations, using liquidity, leverage and credit history to evaluate risk associated with issuing loans.
  • Met with upper management and provided insight into credit decisions.
  • Monitored and maintained compliance with internal controls and government regulations.
  • Collaborated closely with customers, using effective communication and interpersonal strengths to gather important financial information.
  • Managed various tasks simultaneously and made sure all job duties were completed in order of priority.
  • Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.
  • Collaborated with credit association and business representatives to exchange valid credit information.

Business Manager

Ramesh Aushdhlaya
Gorakhpur
08.2023 - 01.2024
  • Work with day to order & billing.
  • Maintained financial records and monitored expenditures for multiple departments.
  • Recommended process improvements that would reduce costs while increasing productivity.
  • Understand customer requirement & provide product details with profitable discount.
  • Understand finance statement & plan product & its logistic accordingly.
  • Account handling of the customers , study billing statements
  • Work on financial tool & software for day to day work.

Education

MBA - Finance & Human Resources

International Institute of Business Studies
Banglore
06-2022

BACHELOR OF COMMERCE - Finance

Shri Ramswaroop Memorial University
Lucknow
05-2020

HIGHER SECONDARY EDUCATION - Commerce

St. Paul School
Gorakhpur
04-2018

Secondary School - Commerce

St. Paul
Gorakhpur
06-2016

Skills

  • Financial Planning
  • Business Finance
  • Financial Analysis & Modelling
  • Analytical Thinking
  • Financial Management & Accounting
  • Adaptability
  • Report Analysis
  • Investment Analysis
  • Risk mitigation strategies
  • Credit decision making
  • Quantitative Analysis
  • Active Listening
  • Multitasking
  • Time Management
  • Task Prioritization
  • Excellent Communication
  • Planning & Prioritizing
  • Leadership
  • Financial software & tool
  • Communications
  • Power BI
  • Tally ERP
  • Credit risk analysis
  • Underwriting
  • Data Interpretation
  • Banking regulations
  • Financial statement review
  • Credit analysis
  • Loan Documentation
  • Consumer credit reports
  • Data Analysis
  • Relationship Management
  • Proficient in CAM & Leadsquared Software

Internship

FINANCE INTERNSHIP, Bridge Group Solutions, Bangalore, Karnataka, 05/2021, 07/2021

Languages

  • English
  • Hindi

Hobbies and Interests

  • Participating in Social Activities
  • Volunteering
  • Surfing through Internet for learning

Projects

PROJECT 1, Bangalore, A study on lending patterns and determinants of profit analysis in HDFC Bank in Bangalore. 

PROJECT 2, Bangalore, A study on building competency in mapping while using Human resources audit. 

PROJECT 3, Lucknow, A project on working capital management in HDFC bank in Lucknow.

Languages

Hindi
First Language
English
Advanced (C1)
C1

Timeline

Sr. Credit Analyst

WeRize Ltd
02.2024 - Current

Business Manager

Ramesh Aushdhlaya
08.2023 - 01.2024

MBA - Finance & Human Resources

International Institute of Business Studies

BACHELOR OF COMMERCE - Finance

Shri Ramswaroop Memorial University

HIGHER SECONDARY EDUCATION - Commerce

St. Paul School

Secondary School - Commerce

St. Paul

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ANUSHKA SHARMA