FARHEEN MUSARRAT
New Delhi
Summary
A result-driven Credit Manager with more than +2 years of experience having sound knowledge as credit underwriter, credit risks, credit worthiness and building strong relationships with business partners. My knack for problem-solving, coupled with effective communication skills, ensures smooth collaboration with clients and teams.
Overview
3
3
years of professional experience
1
1
Certification
Work History
Credit Manager
HDFC Bank Ltd
Dhanbad
04.2024 - Current
- Credit underwriting of loans (cash credit, term loans, and overdraft facilities), portfolio management, and financial ratio analysis for retail agri loans.
- Managed a diverse portfolio of high-value customers with ticket sizes between 20-25 crore.
- Achieved TAT standards adherence and reduced PAR errors.
- Reduced financial losses through effective management strategies.
- Engaged with vendors and legal teams to manage business documentation.
- Coordinated with the business team to align credit policies with business objectives.
Management Trainee
LT Foods Pvt Ltd
Gurugram
05.2023 - 04.2024
- Acquired practical experience in general trade, modern trade, and food service divisions of LT Foods.
- Analyzed gaps in market share of company's product against competitors.
- Analyzed market segmentation and brand positioning.
- Collaborated with distributors and sales officers to gauge product supply and demand.
Internship Trainer
Ernst & Young
05.2022 - 07.2022
- Asian Development bank (ADB) funding project and prepared a horticulture development policy report through primary research and secondary research
- Analyzed the key trends in major crops through graph and CAGR
- Utilized REESI+E framework for thorough assessment of schemes.
Education
PGDM - Agri Business Management
National Institute of Agricultural Marketing
Jaipur01.2023
BSC - Agriculture and Food Business
Amity University
01.2019
Skills
- Financial and Credit Risk Analysis
- Portfolio Management
- Market Trends Analysis
- Competitor Analysis
- Analytical Review
- Research
- Reporting
- Microsoft Office
- Inter-personal Communication
- Problem-solving
Certification
- Moody's Analytics: Certificates in commercial credit
- Digital Marketing Strategy and Brand Management
- Data Visualization in Tableau
- Introduction to Finance, Accounting, Modelling and valuation
Accomplishments
- Maintaining 99% PAR as underwriter by evaluating customers at risk.
- Ensuring TAT of around 97% of cases through critical thinking.
- Maintained a Portfolio of 6.41 crores NPA customers through resolution rate of 65-70%
- Improved Daawat products penetration in the market by interacting with all stakeholders from distributor to regional sales manager.
- Published Poet by the publisher- Writer's pocket for the poem "Contemplation"
- Finalist in competition organised by IIM Udaipur for "Breaking the stereotypes through marketing solution"
Projects
Worked on government projects related to solar water pump program for Hi-tech horticulture, Area expansion of date palm in western Rajasthan, Technology transfer of specific crops through primary and secondary research
Timeline
Credit Manager
HDFC Bank Ltd
04.2024 - Current
Management Trainee
LT Foods Pvt Ltd
05.2023 - 04.2024
Internship Trainer
Ernst & Young
05.2022 - 07.2022
PGDM - Agri Business Management
National Institute of Agricultural Marketing
BSC - Agriculture and Food Business
Amity University
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