Harshit Tiwari
Kanpur
Summary
Dynamic finance professional with a proven track record at Mahindra & Mahindra Financial Services Limited, excelling in credit risk management and analytical thinking. Skilled in financial modeling and client relationship management, I've significantly contributed to portfolio performance and regulatory compliance. My expertise has driven business growth while ensuring risk mitigation, showcasing a blend of strategic oversight and interpersonal prowess.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Deputy Manager - Underwriting
Mahindra & Mahindra Financial Services Limited
Kolkata
06.2024 - Current
- Reviewed fiscal records to measure the associated risk of credit extensions.
- Conducted thorough credit evaluations for loans against properties in the MSME retail enterprises segment.
- Assured equilibrium between business growth and risk mitigation during loan proposal approval.
- Applied financial models to evaluate collateral value and loan-to-value ratios for secured lending.
- Perform due diligence on property documents, legal clearances, and market conditions to ensure compliance with regulatory requirements.
- Approve credit limits and sanction loans within delegated authority levels, maintaining turnaround time, and operational efficiency.
- Monitor the portfolio's performance, identifying early warning signals to mitigate potential defaults, or risks.
Financial Analyst Intern
Dhampur Sugar Mills Limited
Dhampur
05.2023 - 07.2023
- Assisted in preparing financial statements, reports and forecasts for senior management review.
- Conducted research on current economic trends and developments in the industry.
- Examined balance reports of term loans promptly.
- Prepared presentations summarizing key findings from financial analyses.
- Assisted with developing projections related to cash flow, working capital needs.
Tax Assistant
Navin Vikas & Co.
Kanpur
05.2018 - 06.2019
- Assisted in the preparation of tax returns for individuals and businesses.
- Conducted research on various aspects of taxation laws and regulations.
- Prepared reports summarizing client's financial transactions that affect their taxes.
- Prepared audit reports and communicated findings to management.
- Reviewed and evaluated the accuracy of financial statements and internal reports to ensure compliance with established procedures.
- Identified discrepancies in accounting records or practices that may lead to fraudulent activities or misappropriation of funds.
Education
Post Graduate Diploma in Management - Financial Services And Business Analytics
Jaipuria Institute of Management
Lucknow06-2024
Bachelor of Commerce - Financial Management & Statistics
D.A.V College
Kanpur09-2021
Skills
- Credit evaluations
- Credit risk management
- Client relationship management
- Cash flow management
- Loan origination
- Regulatory compliance
- Loan decision assessments
- Reconciling balance statements
- Portfolio performance
- Debt management
- Financial modeling
- Auditing
- Tax law
- Multi-state tax filing
- Predictive modeling
- Analytical thinking
- Financial advising
Affiliations
- Strong commitment to continuous learning, enhancing skills in financial analysis, risk assessment, and data-driven decision-making.
- Collaborative team player with experience mentoring junior colleagues and driving cross-functional team success.
- Balanced professional and personal growth by engaging in wellness activities, market research, and community initiatives.
Certification
- PWC Tax Launchpad Program 2023.
Languages
Hindi
First Language
English
Intermediate (B1)
B1
Timeline
Deputy Manager - Underwriting
Mahindra & Mahindra Financial Services Limited
06.2024 - Current
Financial Analyst Intern
Dhampur Sugar Mills Limited
05.2023 - 07.2023
Tax Assistant
Navin Vikas & Co.
05.2018 - 06.2019
- PWC Tax Launchpad Program 2023.
Post Graduate Diploma in Management - Financial Services And Business Analytics
Jaipuria Institute of Management
Bachelor of Commerce - Financial Management & Statistics
D.A.V College
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