Summary
Overview
Work History
Education
Skills
Certification
Affiliations
Summer Internship- Linde India
Live Project- TVS Motors
Position of Responsibility
Timeline
Generic

AYUSHI PODDAR

KOLKATA

Summary

Analytical professional with expertise in product strategy and credit risk. Drove post-merger data integration at Linde India, identifying gaps in customer contracts and uncovering revenue enhancement opportunities. Contributed to credit card portfolio analysis at Axis Bank, informing market positioning. Currently engaged in auto loan underwriting at YES Bank, executing CIBIL analysis and ensuring compliance with Reserve Bank of India guidelines.

Overview

1
1
year of professional experience
5
5
Certifications

Work History

Credit Manager

Yes Bank
Kolkata
07.2025 - Current
  • Assisted in evaluating customer profiles and assessing eligibility as per internal credit norms
  • Monitored credit appraisal process, emphasizing income assessment and collateral valuation to support informed lending decisions
  • Supported backend checks and credit scoring analysis during loan file processing
  • Learned the fundamentals of credit risk management, loan portfolio monitoring, and NPAs in Retail
  • Collaborated cross-functionally with sales and management to streamline operations and improve loan processing efficiency
  • Analyzed credit process including document verification, CIBIL analysis, and risk assessment to mitigate potential risks
  • Gained exposure to policy-based credit decisioning and coordination with sales and operations teams for loan processing

Product Manager

Axis Bank
Mumbai
05.2025 - 07.2025
  • Analyzed credit card product lifecycle, focusing on network dynamics and P&L management to enhance product strategies.
  • Tracked profit & loss for credit cards, analyzing cost of acquisition, interchange, and reward costs to inform strategic decisions.
  • Tracked key portfolio metrics like card issuance, activation rates, customer spends to understand revenue drivers.
  • Prepared internal decks and data summaries for portfolio review and planning, facilitating informed decision-making processes.
  • Conducted competitive benchmarking of Axis Bank credit card products against offerings from peer banks to analyse fee structures, reward programs, and value propositions, generating insights that supported portfolio positioning and enhanced understanding of the competitive credit card landscape

Education

MBA - GENERAL MANAGEMENT

IIM RAIPUR
RAIPUR
04-2025

Bachelor of Science - MATHS

THE HERITAGE COLLEGE
KOLKATA
08-2022

XII - SCIENCE

ST AGNES CONVENT SCHOOL
KOLKATA
03-2018

X - GENERAL

AGRASAIN BALIKA SIKSHA SADAN
KOLKATA
03-2016

Skills

  • Credit risk management
  • Risk assessment
  • Financial modeling
  • Portfolio management
  • Data analysis
  • Project management
  • Competitive analysis
  • Analytical thinking
  • Communication

Certification

Project management by Skillup

Affiliations

Lead performer in multiple prestigious dance events, earning widespread and enthusiastic audience acclaim for exceptional performances

Summer Internship- Linde India

  • Collaborated extensively in the post-merger integration of Linde and Praxair, meticulously identifying and analysing incomplete customer data, which accounted for a significant 19% of records in the contract management tool
  • Spearheaded the innovative design and development of an interactive dashboard that effectively mapped customers, salespersons, and zones, greatly enhancing the efficiency of gap identification, analysis, and resolution
  • Played an instrumental and strategic role in Lindes comprehensive contract digitalization initiative, ensuring the accurate, seamless, and efficient integration of customer data into the contract management tool
  • Contributed significantly and proactively to the optimization of revenue processes by streamlining disorganized price escalation data, revealing and addressing critical missed opportunities from uncharged clauses in customer contracts
  • Played a key and impactful role in developing and implementing a master file for price escalation calculations, meticulously standardizing formulas for raw materials to ensure consistency, accuracy, and efficiency

Live Project- TVS Motors

  • Developed and implemented AI-based solutions to significantly reduce the turnaround time in the hiring process by over 40%, utilizing the Six Sigma (DMAIC) methodology to streamline candidate screening, recruitment efficiency
  • Designed a comprehensive and scalable framework for integrating AI into skill inventory management, enabling dynamic mapping of employee skills, forecasting future skill gaps, and facilitating targeted, data-driven training programs
  • Created a detailed and actionable roadmap for AI integration across all HR functions, clearly delineating short-term and long-term goals, ensuring seamless implementation of AI technologies throughout the organization
  • Established criteria for selecting AI vendors, conducted thorough evaluations and comparisons, and strategically recommended AI tools for talent management that align with the long-term vision and strategic needs of TVS Motors
  • Identified potential risks associated with AI in HR, including issues related to algorithmic bias, data privacy, employee trust, and proposed comprehensive ethical guidelines to mitigate these risks while promoting responsible AI use

Position of Responsibility

SAKSHAM COMMITTEE- SENIOR EXECUTIVE MEMBER

  • Orchestrated 20+ impactful events, collaborating with 5+ NGOs while significantly aiding 500+ individuals in Raipur
  • Proactively assisted Rotary Club of Raipur and successfully organized inter-school competitions with 300+ students
  • Executed and effectively led 2 UDAAN distribution drives, successfully benefitting 300+ students from government schools by providing vital and essential stationery, footwear, and gifts in collaboration with Pranyas Foundation
  • Coordinated and efficiently managed Daan Utsav, positively impacting 500+ individuals through various activities including a Blood Donation Drive, Old Age Home Visit, Gurudwara Langar Service, and Card Distribution events

Timeline

Credit Manager

Yes Bank
07.2025 - Current

Product Manager

Axis Bank
05.2025 - 07.2025

MBA - GENERAL MANAGEMENT

IIM RAIPUR

Bachelor of Science - MATHS

THE HERITAGE COLLEGE

XII - SCIENCE

ST AGNES CONVENT SCHOOL

X - GENERAL

AGRASAIN BALIKA SIKSHA SADAN
AYUSHI PODDAR