Summary
Overview
Work History
Education
Skills
Websites
Accomplishments
Languages
References
Timeline
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MANASA TM

MANASA TM

Hyderabad

Summary

High-performing professional with integrity and leadership skills. Applies knowledge and abilities to positively impact organization. Flexible in different situations and dynamic conditions. Works great under extreme stress and deadlines.

Overview

7
7
years of professional experience

Work History

Credit Risk Officer

HSBC
Hyderabad
07.2022 - Current
  • Effectively approved loans for UK-based SMEs generating gross revenues of up to 25 million GBP, as an authorized credit underwriter.
  • Conducted financial analysis by utilizing profit and loss statements, balance sheets, cash flow forecasts, accounting ratios, and Aged debtors list.
  • Demonstrated strict adherence to the bank’s policies while effectively meeting the financial needs of the business.
  • Effectively processed loan approvals across a broad spectrum of industries encompassing Agriculture to Tech and AI sectors along with Fashion and Consultancy fields.
  • Collaborated with onshore counterparts, including business specialists, relationship managers, and directors to facilitate effective deal negotiations and discuss lending queries.
  • Demonstrated comprehensive knowledge of the 5Cs of credit, utilizing these principles in evaluating business loan applications.
  • Successfully ratified proposed strategies for defaulting customers in loan restructuring/recoveries.
  • Coordinated with other departments to ensure smooth flow of operations.
  • Maintained up-to-date knowledge of company products and services.
  • Ensured compliance with safety regulations and company policies.

INTERN

FEDERAL BANK - CREDIT HUB
03.2018 - 03.2018
  • Successfully marketed and sold various banking products to potential clients while serving as an intern in the Credit Hub.
  • Reviewed MSME books and tracked borrowers' borrowing status.

PROJECT COORDINATOR INTERN - DOMS

IIT-MADRAS
10.2017 - 03.2018
  • Worked on Project : Enhancing the success and profitability of women entrepreneurs.
  • Identified and collaborated with business owners to find potential mentors for training marginalized women entrepreneurs.
  • Coordinated training schedules and ensured timely execution of a 5-day program.
  • Acted as one of the POCs for the women entrepreneurs, trainers, and mentors by facilitating communication and eliminating language barriers between the parties.
  • Tracked post-training progress by coordinating regular phone calls between mentors and mentees, ensuring smooth mentorship.

Education

MBA(Finance) -

CMS Business School, Jain University
01.2022

B.COM(Bank management) -

Ethiraj college for women
01.2019

PUC (Commerce with computer science) -

Lalaji Memorial Omega international school
01.2016

SSLC -

Lalaji Memorial Omega international school
01.2014

Skills

  • Financial Assessment
  • Credit Assessment
  • Risk Assessment
  • Credit Approval
  • Negotiation
  • Report Writing

Websites

Accomplishments

  • Received spot award for being a major contributor of the tech team in hosting annual awards, quarterly awards and other engagement committee activities.
  • Served as Joint President for the entrepreneurship cell at UG level won 2nd level case study competition held by deloitte and secured 4th place in chennai zone
  • Worked towards setting up of incubation cell at ethiraj college and also launched the first entrepreneurship directory during my term was awarded with the highest sponsorship award for attracting sponsorship for the annual department event
  • Worked as chief editor for the start up directory at ethiraj college during UG. Headed the sponsorship and finance committee for various events at college level
  • Worked for sponsorship committee during the international conference at UG level

Languages

  • English
  • Tamil
  • Telugu
  • Kannada
  • Hindi

References

Dr.Thillai Rajan - Co-founder YNOS Venture Engine 044-225-74569

Timeline

Credit Risk Officer

HSBC
07.2022 - Current

INTERN

FEDERAL BANK - CREDIT HUB
03.2018 - 03.2018

PROJECT COORDINATOR INTERN - DOMS

IIT-MADRAS
10.2017 - 03.2018

MBA(Finance) -

CMS Business School, Jain University

B.COM(Bank management) -

Ethiraj college for women

PUC (Commerce with computer science) -

Lalaji Memorial Omega international school

SSLC -

Lalaji Memorial Omega international school

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MANASA TM