Open To Work
Hritik Gupta
Summary
Credit Risk and Portfolio Management professional with experience at HDFC Bank, managing and monitoring a ₹2,600+ crore corporate credit portfolio. Strong expertise in financial statement analysis, credit underwriting, and portfolio monitoring, with a proven ability to mitigate downside risk, and optimize exposures. Recognized for delivering over 85% turnaround time on credit evaluations while driving process efficiencies and cross-functional collaboration in high-volume, high-stakes environments.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Credit Risk Manager
HDFC Bank
Kolkata
09.2023 - Current
- Managed and monitored diversified credit portfolio of 60 corporate accounts with ₹2,600+ crore exposure, ensuring optimal risk mitigation.
- Conducted financial statement analysis, cash flow modeling, and credit risk assessment for Mid and Large corporate clients in India.
- Exercised independent credit approval authority, facilitating timely capital deployment while adhering to risk governance frameworks.
- Led internal audit and forensic review of high-value NPA, identifying control gaps and potential fraud indicators.
- Collaborated with relationship management in deal negotiations and supported operations teams with trade transactions.
- Achieved over 85% turnaround time on credit evaluations, balancing speed with compliance standards.
- Facilitated periodic portfolio assessments, tracking asset performance to enhance the tracking of the regional portfolio.
- Streamlined credit evaluation and approval process by identifying operational bottlenecks, and enabling process enhancements.
Summer Intern
Fidelity Investments
Bengaluru
05.2022 - 06.2022
- Recognized process gaps and control weaknesses within Software Asset Management framework, facilitating design and implementation of streamlined, audit-ready operating model.
- Enhanced software asset governance and compliance through streamlined tracking, utilization, and lifecycle management, minimizing operational inefficiencies and audit risk.
- Partnered with cross-functional stakeholders (IT, procurement, compliance, and operations) to execute enhanced procedures, implementing process rollout for approximately 70,000 employees, while elevating responsiveness to audit and regulatory requirements.
- Oversaw Project Manager responsibilities for Design Thinking workshop, guiding problem definition, stakeholder alignment, and ideation sessions that produced actionable process improvements and refined SAM workflows.
Education
Masters in Business Administration - Finance
Symbiosis Institute of Business Management
Pune, Maharastra04.2023
Bachelors in Business Administration - Finance
Jain University Centre For Management Studies
Bengaluru, Karnataka03.2021
Skills
- Financial Analysis
- Credit Risk Management
- Portfolio Management
- Industry analysis
- Financial statement review
- Financial modeling
- Credit analysis
- Microsoft Office (Excel, Word, PowerPoint)
Certification
• Introduction to Securities and Investment (International), Chartered Institute of Securities and Investment, U.K
• Equity Research and Financial Modeling, Fore Vision
• Corporate Finance Essentials II, IESE Business School University of Navara, Coursera
• Finance Foundation, National Association of Board of State Boards of Accountancy , LinkedIn
• Introduction to Financial Markets, Indian School of Business, Coursera
• Equity Research and Financial Modeling, Fore Vision
• Corporate Finance Essentials II, IESE Business School University of Navara, Coursera
• Finance Foundation, National Association of Board of State Boards of Accountancy , LinkedIn
• Introduction to Financial Markets, Indian School of Business, Coursera
Leadership Experience
Organizing Member- StartUp Club, Jain University Centre for Management Studies, Bengaluru, Karnataka, 03/01/20, 03/01/21, Successfully organized the CMS Annual Trade Fair, attracting over 3,000 attendees and featuring 30 companies.
Accomplishments
Campus Finalist at the CFA Research Challenge.
Work Preference
Job Search Status
Open to workWork Type
Full TimeSalary Range
₹2000000/yr - ₹3000000/yrTimeline
Credit Risk Manager
HDFC Bank
09.2023 - Current
Summer Intern
Fidelity Investments
05.2022 - 06.2022
Masters in Business Administration - Finance
Symbiosis Institute of Business Management
Bachelors in Business Administration - Finance
Jain University Centre For Management Studies