Diksha Chaurasia
Credit Commercial Lending|
Delhi
Summary
Desirous to build a career in research/operations field so as to establish myself as a creative, innovative professional and to contribute meaningfully to the growth and success of the organization by undertaking challenging assignments and delivering results using professional knowledge & skills.
Overview
6
6
years of professional experience
8
8
years of post-secondary education
Work History
Transaction processing Associate
Accenture Services Pvt. Ltd
- Worked as an Associate in Financial Spreading Team and have analyzed the financial Statements of entities
- Analyzing of financial statements including Income Statement ,Balance Sheet and Cash Flow Statement of Public and Private Companies for the credit appraisal process
- Well-versed in transferring borrower's financial statements into the bank's financial analysis program
- Generates meaningful financial reports to assist bank in its analysis of the financial position of the company.
Senior Associate
Acuity Knowledge Partners
5 2022 - Current
- Research and analyze the financial statements of entities in accordance with U.S. GAAP and the Company’s accounting policies from different sectors to check credit worthiness of new & existing borrowers therefore assist in taking decision for Corporate loans by spreading in Moody's credit lens and nCino (client-customized templates).
- Act on normalizing the financial statement for exceptional and non-recurring items to arrive at the correct profitability figures.
- In addition to, created templates for covenant analysis purpose along with calculation of various ratios (Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities etc) and other financial metrics from Loan Agreements and Compliance Certificates.
- Handling e-mail queries, working on escalations and execute quality check as well as maintaining contacts with US RMs & clients for all their queries and requirements daily.
- Review and Analyze personal financial statements,tax returns and real estate owned schedules to determine strength of an individual.
Senior Associate
Genpact India Pvt. Ltd
12.2019 - 07.2020
- Performing Annual/Quarterly or Half yearly reviews and populating credit application templates
- Also, Considering the Financial Analysis (Historical and Forecast) (Operating,Leverage & Liquidity ratios)
- Financial Spreading (BCM Analytics) Worked as a process developer and being a pivotal role for Financial Spreading Team
- Provides client with reliable, accurate benchmarking figures including balance sheet and income statement line items, and financial ratios
- Also, maintains database work like updating financials information onto client database and upload, financial reports in centralized repository
- Possess detailed & in depth analysis and review of financial results and various heads profit & loss account by region, business segment, country & legal entity
- Maintain strong communication with onshore team and manage expectations.
Associate
Paytm Payments Bank
10.2018 - 11.2019
- Gathering and monitoring financial data (e.g
- Sales revenues and liabilities) Preparing timely and error-free documentation that gives evidence of the organization or company's financial standing
- Reviewing and analyzing financial stats, data, and reports from various departments and and produce internal budget according to schedule.
Education
M.COM -
Indira Gandhi National Open University
09.2017 - 05.2020
B.COM: Accountancy - undefined
Dyal Singh College(Delhi University)
07.2014 - 05.2017
12th CBSE: Commerce - undefined
Preet Public Sr. Sec. School
01.2013 - 04.2014
10th CBSE: Commerce - undefined
Preet Public Sr. Sec. School - PA
01.2011 - 04.2012
Skills
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Additional Information
I was awarded as the top performer and received Thank You note and Appreciation from the Team lead for performing well in a short span of time in Accenture and handling the activities in absence of SME.
Timeline
Senior Associate
Genpact India Pvt. Ltd
12.2019 - 07.2020
Associate
Paytm Payments Bank
10.2018 - 11.2019
M.COM -
Indira Gandhi National Open University
09.2017 - 05.2020
B.COM: Accountancy - undefined
Dyal Singh College(Delhi University)
07.2014 - 05.2017
12th CBSE: Commerce - undefined
Preet Public Sr. Sec. School
01.2013 - 04.2014
10th CBSE: Commerce - undefined
Preet Public Sr. Sec. School - PA
01.2011 - 04.2012
Transaction processing Associate
Accenture Services Pvt. Ltd
Senior Associate
Acuity Knowledge Partners
5 2022 - Current
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