PALLAVI KOKWAR
Nagpur,Maharashtra
Summary
Dedicated professional in Retail Credit, driven to contribute to organizational success through continuous learning and effective skill utilization. Committed to achieving professional growth by leveraging hard work, perseverance, and dedication. Eager to embrace challenges within a dynamic work environment, always striving for excellence in the field.
Overview
2
2
years of professional experience
Work History
Deputy Manager (Retails Assets)
HDFC Bank Ltd
06.2023 - Current
- Credit Evaluation: Utilizing credit scoring models for risk assessment and performing detailed analyses of loan applications, focusing on factors like FOIR and overall credibility
- Credit Assessment Module (CAM): Preparing comprehensive reports to facilitate informed lending decisions
- Stakeholder Engagement: Collaborating with internal and external stakeholders to ensure compliance with bank policies and guidelines
- Data Analysis: Analysing non-starter and early delinquency data to identify trends and improve underwriting processes
- Market Insights: Conducting vendor visits and discussions with Direct Sales Agents (DSA) to gather insights on market requirements and policy updates
- Team Management: Ensuring timely turnaround times (TAT) and adherence to policy compliance within the underwriting team
- Financial Research: Conducting thorough research on individuals' financial histories to accurately assess credit risk.
Financial Analyst
Margin Sentiment Advisory’s Private Limited (Summer Internship)
05.2022 - 07.2022
- Arbitrage Price Trading: Conducted in-depth study on arbitrage price trading using various stocks listed market, focusing on identifying price discrepancies
- Market Fundamentals: Recognized
- Basics of stocks, commodities, and currency markets, establishing a
- Foundational understanding of how these markets operate
- Risk and Reward Assessment: Examine risks and rewards associated with stock market investments, analyzing potential pitfalls and profit opportunities
- Digitalization in Investments: Explored the impact of digitalization on the investment sector, highlighting trends and technological advancements shaping modern trading
- Sector Analysis: Successfully analysed five distinct sectors, providing insights into performance metrics and investment strategies.
Education
PGDM -
Indira Institute of Management
Pune05.2023
B. Tech in Chemical Technology -
Laxminarayan Institute of Technology
Nagpur05.2019
Higher Secondary Certificate (H.S.C.) -
Nanaji Joshi Jr. College
Shahapur, Bhandara03.2015
Secondary School Certificate (S.S.C.) -
Nanaji Joshi Vidyalaya
Shahapur, Bhandara05.2013
Skills
- Capable of working efficiently under pressure while maintaining high-quality results
- Meticulous in analyzing information and ensuring accuracy in all tasks
- Well-versed in loan products and lending procedures, facilitating informed decision-making
- Excellent coordination skills, ensuring smooth collaboration among team members and stakeholders
- Experienced in team handling, motivating and guiding team members to achieve collective goals
- Skilled in MS Office applications, including Word, PowerPoint, and Excel, for effective reporting and presentations
- Proven ability to manage multiple tasks and projects simultaneously, meeting tight deadlines through effective time management
Accomplishments
- Secured 1st place in the 'BEAT THE CLOCK' PL Credit Contest, Pan India at HDFC Bank.
- Recognized for exceptional performance in the InstaBiz product at the regional level.
- Awarded the Silver Star Award at HDFC Bank for extraordinary contributions to the organization.
- Attained L1 CAD Authority within three months of joining.
- Achieved the highest productivity consistently over multiple months from ROMG.
- Maintained a turnaround time (TAT) of 75-90% every month.
- Secured 3rd place in the Treasure Hunt at Indira Institute of Management, Pune.
EXTRACURRICULAR ACTIVITIES:
- Participated in Scam Scanner Competition at Indira Institute of Management Pune.
- Participated in CSR Organization at Indira Institute of Management Pune.
- Secured 2nd Position in Poster Presentation in Technotsav At LIT, Nagpur.
- Co-ordinate & Participated in various events during 'LIT Technotsav' and 'LIT Tectonic'.
- Completed online certification course in Google Analytics Individual Qualification.
- Completed online certification course in Financial Markets by Yale University - 2021.
- Completed 5 days Financial Modelling workshop.
PERSONAL PURSUITS:
Hobbies: Paper Craft, Making Handmade home decor,
Languages: English, Hindi, Marathi
Timeline
Deputy Manager (Retails Assets)
HDFC Bank Ltd
06.2023 - Current
Financial Analyst
Margin Sentiment Advisory’s Private Limited (Summer Internship)
05.2022 - 07.2022
PGDM -
Indira Institute of Management
B. Tech in Chemical Technology -
Laxminarayan Institute of Technology
Higher Secondary Certificate (H.S.C.) -
Nanaji Joshi Jr. College
Secondary School Certificate (S.S.C.) -
Nanaji Joshi Vidyalaya