Deeksha Adlakha
Pune
Summary
Experienced professional in assessing credit worthiness of clients with a PGDM in finance. Well organized with strong sense of responsibility and skilled at learning new concepts quickly. Seeking a full time role in finance domain.
Overview
8
8
years of professional experience
Work History
Credit Analyst
Axis Bank
09.2022 - Current
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Prepared reports of SME customers for presenting the same to credit committee.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Made recommendations about extending lines of credit.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzing client's historical data, current financial situation and projecting future financial statements in tandem with bank's norms.
Deputy Manager- Emerging Enterprises Group
HDFC Bank Ltd
06.2020 - 09.2022
- Identified potential lending liabilities and credit risks in lending by analyzing quantitative and qualitative data
- Assessing credit worthiness of client and recommending to credit team.
- Liaisoning with different stakeholders within the Bank to get the work done on timely basis.
- Have performed analysis of more than 100 potential SME borrowers through assessing financial statements, banking history and conduct, required due diligence etc.
Assistant Manager- Business Banking
YES Bank
01.2017 - 06.2020
- Successfully managed and grew portfolio of mapped SME customers
- Proficient at banking products like cash credit, overdraft, BG, LC, Pledge limit
- Performed financial, ratios, management and industry analysis and prepared supporting documentation for client credit approval
- Maintaining housekeeping including CAM renewals, deferral closure etc
- Identifying opportunities by cementing relationships with existing clients.
Summer Trainee
Motilal Oswal Securities Limited
04.2016 - 06.2016
- Assisted in managing the portfolio of customers and advising them for different investment products of the company
- Analyzed and compiled the major corporate news, earnings and financial market updates on a daily basis
- Financial planning of individuals according to their risk profile and objectives.
Education
Post Graduate Diploma in Management- Finance -
International School of Business & Media, Pune
Pune05.2017
Bachelor of Commerce -
Kota University, Rajasthan
Kota05.2015
Skills
- Financial Statements analysis
- Ratio Analysis
- Team skills
- Report writing
- Financial Forecasting
- Liaison & coordination
- Problem solving
- Time management
- Credit monitoring
- Quick learner
Languages
English
Hindi
Timeline
Credit Analyst
Axis Bank
09.2022 - Current
Deputy Manager- Emerging Enterprises Group
HDFC Bank Ltd
06.2020 - 09.2022
Assistant Manager- Business Banking
YES Bank
01.2017 - 06.2020
Summer Trainee
Motilal Oswal Securities Limited
04.2016 - 06.2016
Post Graduate Diploma in Management- Finance -
International School of Business & Media, Pune
Bachelor of Commerce -
Kota University, Rajasthan
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