CHITRANG Oza
Mumbai
Summary
Dynamic finance professional with a proven track record at HDB Financial Services, excelling in credit risk assessment and client relationship management. Successfully approved loans up to 3 lakhs, enhancing client satisfaction and driving business growth. Expertise in financial analysis and cross-functional coordination, delivering impactful results in diverse financial environments.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Freelancer
PJ Investor Services Pvt. Ltd.
01.2019 - 05.2023
- Company Overview: Also a Business Correspondent Partner with Suryoday Small Finance Bank
- Introducing new financial products & services to meet evolving market demands
- Soliciting and analyzing client feedback to refine and enhance financial products and services, ensuring they meet evolving market demands and client expectations
- Also a Business Correspondent Partner with Suryoday Small Finance Bank
Credit Manager
HDB Financial Services
Mumbai
01.2018 - 11.2018
- Responsible for loan approval up to 3 lakhs and conducting personal discussions with customers.
Credit Rating Analyst
Brickwork Ratings India Pvt. Ltd.
Bengaluru/Mumbai
06.2014 - 09.2015
- Conducted 60 (approx.) bank loan rating assignments spanning diverse industries, including chemicals, plastics, agriculture, hotels, plywood, gems, and jewelry
- Achieved the highest acceptance ratio by persuading clients to accept the appropriate ratings assigned upon the completion of mandates
- Managed relationships with clients, including Bhagwati Flour Mills Private Limited, CAMEX Ltd., Sambhav Media Ltd., International Book House Pvt. Ltd., and Kiz Foods Ltd.
Management Trainee
Axis Mutual Fund
Mumbai
07.2012 - 03.2013
Finance Executive
Eureka Weighing Systems Pvt. Ltd.
Mumbai
07.2010 - 05.2012
Education
LLB - Law
University of Mumbai
Mumbai Univseityr01.2021
M.Com - Business Management
University of Mumbai
Mumbai University01.2018
C.S.(Executive Group) - Company Secretary
Institute of Companies Secretaries of India
ISIC01.2012
B.Com - Acounting
University of Mumbai
Accounting01.2010
Skills
- Market research
- Credit risk assessment
- Financial analysis
- Loan underwriting
- Credit Analysis
- Financial Advisory
- Mergers & Acquisitions
- Fundraising
- Risk Management
- Statutory Regulations & Compliances
- Client Relationship Management
- Cross-functional Coordination
Certification
- Social Ambassador with Indian Development Foundation, An NGO focused on Health, Education and Development, Current
- Basics of Stock Markets, Equity Mantra
- Elementary Art, Gujarat State Board
- Banking and Financial Analyst Program, 9 Months, Brickwork Finance Academy
- Equity Mantra Stock Market Course
Languages
- English
- Hindi
- Gujarati
Personal Information
Date of Birth: 02/28/90
Timeline
Freelancer
PJ Investor Services Pvt. Ltd.
01.2019 - 05.2023
Credit Manager
HDB Financial Services
01.2018 - 11.2018
Credit Rating Analyst
Brickwork Ratings India Pvt. Ltd.
06.2014 - 09.2015
Management Trainee
Axis Mutual Fund
07.2012 - 03.2013
Finance Executive
Eureka Weighing Systems Pvt. Ltd.
07.2010 - 05.2012
LLB - Law
University of Mumbai
M.Com - Business Management
University of Mumbai
C.S.(Executive Group) - Company Secretary
Institute of Companies Secretaries of India
B.Com - Acounting
University of Mumbai
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