Palak Ahuja
Faridabad
Summary
Credit and lending professional with 3 years of experience across MSME and retail lending. Hands-on exposure to credit appraisal, borrower assessment, financial analysis, system-based loan processing, sanction coordination and disbursement. Strong understanding of regulatory compliance, asset quality control and TAT-driven execution.
Overview
3
3
years of professional experience
4045
4045
years of post-secondary education
1
1
Certification
Work History
Branch Development Manager
City Union Bank Ltd.
08.2023 - Current
- End-to-end handling of branch and lending operations for MSME and retail loan products
- Credit appraisal including income assessment, FOIR calculation and eligibility evaluation
- Analysis of bank statements, cash flows and borrower transaction patterns
- Loan processing on internal lending systems from entry to disbursement
- Coordination with credit, risk, legal and operations teams to close cases within TAT
- Ensuring KYC, AML and internal credit policy compliance
- Post-disbursement monitoring to maintain portfolio quality
- Handled end-to-end documentation for Working Capital facilities including CC / OD and fund-based limits
- Managed high-value credit exposures up to n50 Crores ensuring compliance with sanction terms
- Verified and executed loan and security documents including agreements, DP notes and guarantees
- Coordinated creation and perfection of securities including Equitable Mortgage and charge creation
- Ensured documentation compliance as per regulatory guidelines and internal policies
- Scrutinized financial and collateral documents to minimize documentation and operational risks
- Supported limit activation, renewal and enhancement processes
- Winner - MSME Loan Contest at City Union Bank
- Early confirmation based on strong performance
- Consistent achievement of branch operational and lending targets
Education
M.Sc. - Mathematics
NIT Trichy
B.Sc. (Hons) - Mathematics
YMCA Faridabad
Skills
- Credit Analysis & Underwriting
- MSME & Retail Lending
- Working Capital Assessment
- Financial & Cash Flow Analysis
- FOIR / Eligibility Calculation
- KYC & AML Compliance
- Loan Processing & Disbursement
- Portfolio Monitoring
Certification
- JAIIB - IIBF (2 Papers Cleared)
- Winner - MSME Loan Contest
Accomplishments
- Winner - MSME Loan Contest at City Union Bank
- Early confirmation based on strong performance
- Certificate of appreciation for achievement of branch lending targets.
- Consistently overachieved targets year-on-year basis leading to early confirmation.
- Consistently maintained the highest performance grade, achieving 1st rank across the region in my current organisation.
Career Objective
Professional Summary Result-driven banking professional with ~3 years of experience at City Union Bank, specializing in credit underwriting, MSME and retail lending, and portfolio management. Postgraduate from NIT Trichy (Rank Holder – 2nd Position), recruited through campus placement. Strong analytical mindset with growing exposure to SQL & Python and a keen interest in transitioning into a Business Analyst role in a product-based company
Languages
Hindi
First Language
English
Proficient
C2
Project Work
PROJECT WORK
Image Processing using Graph Theory (NIT Trichy)
- Applied graph theory concepts to solve image processing problems, focusing on structure-based image representation
- Developed mathematical models to convert image data into graph-based frameworks for improved analysis
- Demonstrated strong analytical thinking, problem-solving, and mathematical modeling skills
- Completed under the guidance of Dr. Janakiraman
Timeline
Branch Development Manager
City Union Bank Ltd.
08.2023 - Current
M.Sc. - Mathematics
NIT Trichy
B.Sc. (Hons) - Mathematics
YMCA Faridabad