JAYESH P AHUJA
Surat
Summary
Experienced Senior Credit Analyst with many years of experience reviewing credit accounts and financial applications. Collaborated with company representatives to guide clients to achieving financial or business goals, reviewing credit applications, monitoring accounts, and recommending solutions to financial needs. Tracked customer accounts to elicit full performance, working alongside collections to correct defaulted accounts or pursue remedies. Seasoned professional providing unparalleled service to credit accounts. Experienced Senior Credit Analyst with a robust background in analyzing financial data, evaluating credit risk, and making lending decisions. Strengths lie in thorough financial reporting, proficient use of credit analysis tools, and strong analytical skills. Have consistently reduced risk and improved portfolio quality through insightful financial analysis in previous roles.
Overview
1
1
Certification
11
11
years of professional experience
Work History
Senior Credit Analyst
Bank of Baroda
Surat
01.2023 - Current
Managed credit approval and renewals for a portfolio with a total credit exposure of more than 750 Crore.
- Credit Appraisal of the existing Corporate Accounts and NTB (New to Bank) Corporate accounts as per Bank Policy (GCMEP Policy -2025)
- Supporting to Relationship manager in canvasing new to bank corporate borrower and for cross selling in ancillary business.
- Monitoring Corporate Accounts with Credit tools via CREMON and EWS(Early Warning Triggers)
- Managing Credit Audit, Concurrent Audit and Statutory Audit and timely completion of Audit Reports/observation.
- Ensuring Compliance in corporate accounts with latest circulars and policy.
- Preparing disbursement note and get it approved and managing post sanction operations.
- Co-ordinating and managing stakeholders like Credit Auditors, internal auditors, concurrent auditors, Statutory auditors, Risk and compliance, credit monitoring team.
- Executed financial spreading, modeling, and risk rating assignments in the credit analysis process.
- Appointing and managing Stock auditor, ASM (Agencies for Specialized Monitoring), Valuer and legal/Technical.
- Developed credit reports summarizing findings for management review and decision-making.
- Maintained relationships with internal departments such as sales teams, legal advisors, operations personnel and external organizations such as vendors or auditors.
Assistant Vice President - I
Indusind Bank
11.2022 - 12.2022
Senior Credit Manager
HDFC Bank
09.2018 - 11.2022
- Managing Portfolio of Rs. 700 Cr + in SME Working Capital Products.
- Credit underwriting and appraisal of SME Working Capital Products.
- Managing portfolio via Credit Monitoring tools like LCHU (Low churn high utilization), Visiting Early Delinquent A/c, Monitoring RFA (Red Flag Triggers), Approving RM Visit Call Memo, Maintaining MIS of OBCA (Other Bank Current Account).
- Managing legal and Technical Vendors and Supporting and Co-ordinating to Operation, RIC and Collection team.
- Supporting and Co-ordinating to EWS (Early Warning System), Market Risk & internal Audit.
- Developing insight knowledge and industry Analysis.
Credit Manager
AU Small Finance Bank
Gandhidham
04.2017 - 09.2018
Audit Assistant
BRS & Associates
08.2015 - 04.2017
- Practicing Chartered Account along with Worked as an Audit Assistant in MOU (Memorandum of undertaking) of Reliance industries (J3 Project).
- A well-known CA Firm.
Director
Jamnagar Peoples Co-operative Bank
Jamnagar
08.2015 - 03.2017
- District Co-operative Bank
Education
Chartered Accountant -
Institute of Chartered Accountant of India
01-2015
Bachelor of Commerce - Accounts and Audit
Saurashtra University
01-2008
Skills
- Credit Appraisal & Underwriting
- Risk assessment and mitigation Strategies
- Financial modeling
- Portfolio management
- Credit monitoring
- Compliance management
- Problem solving
- Effective communication
- Data analysis and Industry analysis
- Audit management
- RBI Norms/ Basel Compliance
Certification
- Commercial Credit, Moody's Analystics
- General Management Communication Skill (GMCS), ICAI
- 100 hours of Computer Course (ITT), ICAI
Others Academic Experience
Teaching experience of 2 years of Chartered accountants Syllabus at Coaching institute at Jamnagar & Rajkot, Gujarat.
References
To be provided on request
Timeline
Senior Credit Analyst
Bank of Baroda
01.2023 - Current
Assistant Vice President - I
Indusind Bank
11.2022 - 12.2022
Senior Credit Manager
HDFC Bank
09.2018 - 11.2022
Credit Manager
AU Small Finance Bank
04.2017 - 09.2018
Audit Assistant
BRS & Associates
08.2015 - 04.2017
Director
Jamnagar Peoples Co-operative Bank
08.2015 - 03.2017
Chartered Accountant -
Institute of Chartered Accountant of India
Bachelor of Commerce - Accounts and Audit
Saurashtra University