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DEEPAK KUMAR
Gurgaon
Summary
Results-driven professional known for productivity and efficiency in task completion. Possess specialized skills in Credit underwriting, financial analysis, and team leadership. Excel in communication, problem-solving, and adaptability, ensuring seamless operations and organizational growth.
Overview
12
12
years of professional experience
Work History
Associate Vice President (Part of CoE)
NatWest Digital Services India Pvt Ltd
Gurugram, Haryana
12.2023 - Current
- Routinely handling complex 'New to Bank' and lending enhancement transactions for clients across diverse sectors, such as Real Estate, Retail, Agriculture, and Healthcare.
- Actively involved in the continuous review and updating of Standard Operating Procedures (SOP) to align with evolving process changes over time.
- Leading and overseeing a team of 2 individuals directly and 5-8 individuals in capacity of a Shadow Team Leader.
- Developed and Deployed a Productivity Tracking Framework that optimizes workload management and boost team efficiency.
- Collaborated on various process improvement projects aimed at streamlining processes and achieving operational efficiency.
- Providing mentorship and training to new members on process workflows and stewardship tasks, ensuring their seamless integration with the system.
- Consistently recognized as a top performer, earning accolades from both onshore and offshore stakeholders.
Lead Analyst
NatWest Digital Services India Pvt Ltd
Gurugram, Haryana
04.2021 - 12.2023
- Vigilantly monitoring account operations to detect signs of business distress and taking timely actions to minimize risk.
- Engagement with relevant teams promptly upon identifying any Watchlist triggers, facilitating timely actions such as Heightened Monitoring, restructuring, or recoveries as required.
- Ensuring timely covenant testing and promptly taking corrective measures in the event of breaches or deviations.
- Performing meticulous quality checks on various team tasks and contributing valuable insights for the enhancement of new processes.
Senior Analyst
NatWest Digital Services India Pvt Ltd
Gurugram, Haryana
07.2017 - 04.2021
- Overseeing a diverse portfolio of 100+ commercial and large corporate clients in the UK, spanning various sectors, with active coordination between onshore and offshore teams.
- Conducting credit underwriting for annual renewals, additional lending increase applications, and new-to-bank business transactions through a detailed assessment of creditworthiness and risk by analyzing financial statements, non-financial considerations, data from various sources to identify trend & patterns and evaluating usage and repayment patterns of existing facilities.
- Serving as the primary point of contact for stakeholders, ensuring the timely and quality completion of all portfolio-related tasks.
Articleship Trainee
Jain Amit Anand & Associates
Panipat, Haryana
08.2013 - 08.2016
- Compilation of comprehensive tax audit reports and proficiently filing personal and corporate tax returns
- Execution of statutory audits, involving the in-depth analysis of various business entities in line with applicable Legal Compliances and Accounting Standards.
Education
DIPLOMA IN LENDING SKILLS -
CHARTERED BANKER INSTITUTE
01-2018
CHARTERED ACCOUNTANT -
THE INSTITUTE OF CHARTERED ACCOUNTANTS OF INDIA
01-2016
B.COM -
UNIVERSITY OF DELHI
01-2015
SENIOR SECONDARY -
HBSE
01-2011
SECONDARY EDUCATION -
HBSE
01-2009
Skills
Credit Underwriting & Risk Assessment
Loan Structuring & Portfolio Management
Financial Analysis & Modelling
Covenant Testing & Compliance
Debt-Service Coverage Assessment
Stakeholder Engagement & People Leadership
Control Testing & Monitoring
Stressed Customer Monitoring
Process Improvement & Optimization
Data-Driven Decision Making
Languages
- English
- Hindi
Personal Information
- Date of Birth: 11/01/95
- Marital Status: Single
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Accomplishments
- Collaborated with team of 10 in the development of Centre of Excellence at India Level.
- Used Microsoft Excel to develop Productivity Tracking Framework which resulted in Automation of month end Data
- Awarded with Best Employee Award for H1 & H2 2024 for Scotland and Functional Region
Work Preference
Work Type
Full TimeWork Location
On-SiteHybridImportant To Me
Career advancementCompany CulturePersonal development programsWork-life balanceHealthcare benefitsQuote
Better to be at Day one instead of One-Day
Software
Microsoft Office
Bloomberg
AIden
Microsoft Co-pilot
Languages
English
Native language
Hindi
Proficient (C2)
C2
Interests
Playing Su-do-ku
Trekking
Market Research
Certification
- Fundamental of Artificial Intelligence - Datacamp
- Financial Modelling and Valuation - Udemy
Timeline
Associate Vice President (Part of CoE)
NatWest Digital Services India Pvt Ltd
12.2023 - Current
Lead Analyst
NatWest Digital Services India Pvt Ltd
04.2021 - 12.2023
Senior Analyst
NatWest Digital Services India Pvt Ltd
07.2017 - 04.2021
Articleship Trainee
Jain Amit Anand & Associates
08.2013 - 08.2016
DIPLOMA IN LENDING SKILLS -
CHARTERED BANKER INSTITUTE
CHARTERED ACCOUNTANT -
THE INSTITUTE OF CHARTERED ACCOUNTANTS OF INDIA
B.COM -
UNIVERSITY OF DELHI
SENIOR SECONDARY -
HBSE
SECONDARY EDUCATION -
HBSE
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