Summary
Overview
Work History
Education
Skills
Accomplishments
Training
Certification
Timeline
Generic

Devika Jain

Bengaluru

Summary

Results-driven Credit and Risk Manager with over 3 years of experience in credit underwriting, portfolio management, and client relationship management. Proven track record of improving process efficiency, reducing costs, and enhancing portfolio quality. Adept at managing high-volume loan processing and ensuring compliance with financial regulations to optimize business performance.

Overview

3
3
years of professional experience
1
1
Certification

Work History

Manager- Credit

Credit Saison
04.2024 - Current
  • Managed a ₹140 crore unsecured Business Loan portfolio, ensuring adherence to company policies and regulatory norms.
  • Successfully processed and underwrote 1,700 business loan applications with a 99.8% error-free rate.
  • Achieved the fastest TAT of 0.88, leading Pan India in credit assessment speed.
  • Conducted thorough financial analysis, cash flow assessments, and repayment evaluations.
  • Spearheaded the implementation of Auto CAM, reducing manual errors and cutting operational costs significantly.
  • Developed strong relationships with internal teams, DSAs, sales, and vendors for seamless operations.
  • Rescued client and internal escalations effectively, ensuring consistent service quality.
  • Trained and mentored credit team members to improve their ability to handle complex loan files.
  • Developed robust strategies for credit offerings.

Deputy Manager

HDFC Bank Ltd
06.2022 - 01.2024
  • Performed in-depth assessments of creditworthiness for loan applicants.
  • Managed a portfolio of 140 crores in personal loans, ensuring adherence to bank policies and regulatory compliance.
  • Collaborated with internal departments to streamline processes and improve efficiency in handling credit-related tasks.
  • Implemented security measures and fraud detection protocols resulting in savings bank with 64 lakhs exposure.
  • Led regular training sessions to boost team members' credit management skills.
  • A major banking and financial services company in India.

Education

MBA -

Jain CMS Business School
Bengaluru
06.2022

BBA -

CMS Jain University
Bengaluru
05.2019

Skills

  • Credit Risk Analysis
  • Financial Statement Analysis
  • Credit Underwriting
  • Portfolio Management
  • Accounting Concepts (GAAP)
  • Risk Assessment and Mitigation
  • Regulatory Compliance
  • Client Relationship Management
  • Process Improvement
  • Data Analysis
  • Basic SQL
  • Performance Monitoring
  • Stakeholder Management
  • Financial Reporting
  • Problem-Solving
  • Team Leadership
  • Cross- Functional Collaboration
  • Communication and Negotiation
  • Ms Excel
  • MS Powerpoint

Accomplishments

  • Extra Mile Award- Awarded 'Extra Mile Award' by the RCM for outstanding performance in credit management.
  • Nationwide Recognition- Achieved the lowest TAT and error-free file processing PAN India.

Training

Wealth Management & Behavioural Finance, Courses on Wealth Management & Behavioural Finance

Certification

  • Completed CISI (Introduction to Securities & Investment International) and moved to the next level.
  • Certified Capstone Courier
  • Completed Training on Entrepreneurial skills, MS Word, MS Excel, MS PowerPoint,
  • Courses on Wealth Management & Behavioural Finance

Timeline

Manager- Credit

Credit Saison
04.2024 - Current

Deputy Manager

HDFC Bank Ltd
06.2022 - 01.2024

BBA -

CMS Jain University

MBA -

Jain CMS Business School

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Devika Jain