Bhagyashri G

Key Result Areas:
◦ Taught various courses in Finance and General Management Subjects
to MBA (PG) and UG students.
◦ Successfully guided the students in research projects .Contributed to updation of syllabus, course-curriculum.
◦ Led the team of students in self-development courses, organised team-building events, seminars to get the students to become industry-ready by imbibing corporate culture, ethics and ethos

• Key Result Areas
• Preparation of Financial Project Reports, Credit Analysis and advised clients on credit facilities as credit consultant
• Led branch operations as branch head for a high-performing retail and corporate banking unit including Retail Banking, Sales & Marketing, Customer Relationship Management, Retail and corporate credit and other related functions to increase profitability
• Managed credit approvals, risk assessment, and loan underwriting for SMEs, retail clients, and corporate customers
• Assessed the loan application of SME and corporate clients through Financial analysis, Conducted risk analysis, credit scoring, and due diligence to ensure sound lending decisions
• Evaluated CIBIL reports, industry trends, and borrower profiles to mitigate risks and optimize loan structures also reviewed and approved loans in accordance with RBI guidelines and Basel III compliance
• Supervised a team of 15+ employees, providing coaching, training, and performance evaluations
• Monitored NPA levels and implemented proactive risk control measures.