Kavyaa Srivastava
Pune
Summary
Dedicated Credit Officer knowledgeable about assessing financial documents, organizing applications, and providing recommendations for approval or disapproval. Meticulously organized and systematic with strong judgment and critical thinking skills. Looking for a permanent role with room for career growth.
Overview
4
4
years of professional experience
Work History
Credit Officer
Axis Bank
Patna
05.2025 - Current
- Currently handling credit underwriting in the B2B rural credit segment, with 30+ proposals assessed, focusing on creditworthiness, cash flow analysis, and risk mitigation.
- Proficient in evaluating financial statements and borrower credit profiles.
- Consistently achieving a 3-day TAT for end-to-end processing, ensuring compliance with internal credit policy, and regulatory norms.
- Contributing to a healthy, low-NPA portfolio through sound credit structuring, and prudent decision-making.
Programmer Analyst
Cognizant Technology Solutions
Pune
10.2021 - 06.2023
- Responsible for data transition from on-premises to a cloud platform for a global insurance-reinsurance firm.
- Collaborated with two potential vendors and key stakeholders to identify and align the optimal solution.
- Developed a scoring framework to assess vendor proposals and recommend the suitable one for transition.
- Executed the data migration strategy with over 20 test cases, ensuring a seamless, optimized transition.
- Documented rules and mappings for three pre-production environments using frameworks and templates.
- Leveraged Excel dashboards to amplify documentation efficiency by 100% and cut time investment by 50%.
- Delivered knowledge transfer to 10 new team members on client tools, boosting proficiency and productivity.
Education
MBA - General Management
Indian Institute of Management Visakhapatnam
Visakhapatnam03-2025
B.tech - Mechanical Engineering
Maharaja Agrasen Institute of Technology
Delhi07-2021
Class XIIth -
Kendriya Vidyalaya No 1 AFS
Gorakhpur03-2016
Class Xth -
Kendriya Vidyalaya No 1 AFS
Gorakhpur03-2014
Skills
- Credit analysis
- Credit underwriting
- Credit policy
- Data migration
- Risk mitigation
- Vendor assessment
- Project management
- Agile
Affiliations
- Led design, PR, and hospitality for IIMV's Samaarambh 8.0, managing a ₹32L budget, 2,500+ attendees, ambassador drives across 10+ colleges, and hosted a 700+ audience dance event
- Achieved first division distinction in junior diploma (guitar) from Prayag Sangeet Samiti, and secured second position in a singing competition by Technology Educational Society
Accomplishments
- Awarded the Kanya Vidya Dhan Scheme scholarship for meritorious academic achievements in 12th grade
- Awarded Rs 5,000 CBSE scholarship for 10 CGPA in 10th grade, recognized for outstanding academic performance
Timeline
Credit Officer
Axis Bank
05.2025 - Current
Programmer Analyst
Cognizant Technology Solutions
10.2021 - 06.2023
MBA - General Management
Indian Institute of Management Visakhapatnam
B.tech - Mechanical Engineering
Maharaja Agrasen Institute of Technology
Class XIIth -
Kendriya Vidyalaya No 1 AFS
Class Xth -
Kendriya Vidyalaya No 1 AFS
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