PAYAL AGARWAL
CHARTERED ACCOUNTANT
MUMBAI
Summary
To join an organization that will provide me challenging roles and tremendous career opportunities. To pursue a growth oriented career that will present me the scope to apply my knowledge and refine my skills in tune with the latest trends.
Overview
7
7
years of professional experience
7
7
years of post-secondary education
1
1
Language
Work History
Credit Risk Manager
Citi Bank / Axis Bank
Bangalore
10.2023 - Current
- Provides analysis of a business' financial trends, indicators and other client data to determine loan feasibility for decision making and recommendations
- Determining and managing level of risk involved with new and existing borrowing relationships through client data such as financial statements
- Recognizes potential client risk through early warning systems.
- Performs periodic financial statement review and tracks established financial covenants with compliance monitoring
- Accompanies Underwriting Manager on customer site visits (when appropriate)
- Compliance with policies to ensure satisfactory ratings
Senior Risk Manager
IndusInd Bank
Bangalore
11.2021 - 09.2022
- Underwriting/ Review of proposals with ticket size ranging from 25cr to 100 cr
- Presentation to loan committee stakeholders.
- Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
- Ensuring portfolio hygiene through compliance monitoring.
- Strategic plans to improve risk control and mitigation.
Senior Credit Analyst
Aditya Birla Finance Limited
Kolkata
11.2016 - 10.2021
- Underwriting of secured loans and providing complete due diligence by clearly identifying risks and providing mitigate.
- Key Job Deliverables- Financial Analysis, Credit analysis/assessment, Client meetings, understanding client’s requirements & business in detail, determining eligibility in accordance with policy.
Education
CA -
ICAI
04.2012 - 05.2016
Bachelor of Commerce -
University of Calcutta
04.2009 - 03.2012
Timeline
Credit Risk Manager
Citi Bank / Axis Bank
10.2023 - Current
Senior Risk Manager
IndusInd Bank
11.2021 - 09.2022
Senior Credit Analyst
Aditya Birla Finance Limited
11.2016 - 10.2021
CA -
ICAI
04.2012 - 05.2016
Bachelor of Commerce -
University of Calcutta
04.2009 - 03.2012
Similar Profiles
TRINA CHATTERJEETRINA CHATTERJEE
Assistant Manager at AXIS BANK(ERSTWHILE CITI BANK)Assistant Manager at AXIS BANK(ERSTWHILE CITI BANK)
Jayesh TanwarJayesh Tanwar
Retail Banker at Axis Bank | Citi BankRetail Banker at Axis Bank | Citi Bank
Tushar SawantTushar Sawant
Manager at Axis Bank (Myrtle Branch- CITI Bank)Manager at Axis Bank (Myrtle Branch- CITI Bank)
Aditya ApteAditya Apte
Product Manager at ProgIST Solutions LtdProduct Manager at ProgIST Solutions Ltd
Tamanna AgarwalTamanna Agarwal
Consultant Specialist at HSBCConsultant Specialist at HSBC