Dynamic credit manager at HDFC Bank Limited with established expertise in credit risk assessment and team collaboration.
Overview
3
3
years of professional experience
Work History
Credit Manager
HDFC Bank Limited
PUNE
06.2023 - Current
Reviewed and evaluated over 80 credit card applications daily for compliance with internal policies and regulations.
Analyzed credit reports, income documentation, and employment histories to determine applicant risk profiles.
Achieved 98% accuracy rate in credit decisions within assigned authority limits.
Collaborated with fraud and risk teams to detect fraudulent activity, reducing losses by 15% annually.
Financial Analyst Intern
Opulence Business Solution PVT. LTD.
05.2022 - 07.2022
Conducted audits to identify client issues and deliver targeted solutions.
Collected data through calls and emails to facilitate problem-solving.
Formulated strategies for Nandi Panchgavya to enhance sales performance.
Collaborated with venture capitalists to secure funding for Engrezi.com growth.
Education
MBA - Finance
INDIRA INSTITUTE OF MANAGEMENT
PUNE
12.2023
BACHELOR OF COMMERCE -
VVMS SHREE DAMODAR COLLEGE OF COMMERCE AND ECONOMICS
MARGAO GOA
12.2021
COMMERCE -
FR. BASILIO ANDRADE MEMORIAL HIGHER SECONDARY SCHOOL
MAJORDA GOA
12.2017
GRAD -
ST. ANTHONY HIGH SCHOOL
MAJORDA
12.2015
Skills
Team Collaboration
Credit Risk Assessment
Financial Statement Analysis
Presentation
Leadership Qualities
Critical Thinking
Languages
English , Hindi , Bhojpuri , Konkani , Marathi
Extracurricular Activities
Won the district-level season ball cricket tournament in the year 2017
Secured 2nd place in the product design competition conducted by Shree Damodar College of Commerce and Economics, Margao, Goa, in 2019
Participated in a virtual students' seminar and paper presentation competition conducted by Shree Damodar College of Commerce and Economics on the impact of COVID-19 on the Indian economy in the year 2021
Timeline
Credit Manager
HDFC Bank Limited
06.2023 - Current
Financial Analyst Intern
Opulence Business Solution PVT. LTD.
05.2022 - 07.2022
MBA - Finance
INDIRA INSTITUTE OF MANAGEMENT
BACHELOR OF COMMERCE -
VVMS SHREE DAMODAR COLLEGE OF COMMERCE AND ECONOMICS
COMMERCE -
FR. BASILIO ANDRADE MEMORIAL HIGHER SECONDARY SCHOOL