Summary
Overview
Work History
Education
Skills
Websites
Awards
Timeline
Generic

Pooja Raj

Delhi

Summary

Seasoned Business Credit Manager with a proven track record at ICICI BANK, adept in credit risk analysis, credit underwriting, due diligence skills, and portfolio management. Excelled in securing high-value accounts at Oravel Stays Pvt Ltd through client relationship management, strong communication, and key account management. Achieved significant account growth.

Overview

9
9
years of professional experience

Work History

Business Credit Manager

ICICI BANK
Delhi
04.2020 - Current
  • Handling a portfolio of accounts, and sanctioning and approving NTB accounts.
  • Analysis of financial statements and financial ratios to assess the creditworthiness of the borrower.
  • Generating the credit rating of the companies according to the bank's internal system based on financial and non-financial parameters.
  • Conducting client meetings, understanding requirements, and structuring proposals as per the bank's credit policy.
  • Credit analysis business model, sectoral research, financial statement, borrower credit history, promoter background, peer comparison, financial discipline, independent background checks, optimizing information in the public domain, risk vs. mitigants, and other qualitative parameters to extend the best fit credit limit of the borrower.
  • Responsibilities include performing detailed due diligence in terms of CRILC Check, CRIF Check, CIBIL Checks, Google Checks, MLA Checks, and Reference Checks, etc.
  • Preparation of a detailed CAM (Credit Appraisal Memo): closely monitor the client's quarterly, half-yearly financials, due diligence reports, bank statements, rating rationale, industry reports, and stock statements.

Key Acoount Manager

Oravel Stays Pvt Ltd
Pune
02.2016 - 03.2020
  • Promoted business opportunities resulting in significant account acquisitions.
  • Meeting prospecting, identifying, and generating new business, plus additional business from existing accounts and from new accounts.
  • Fostered strong customer relationships through consistent engagement and support.
  • Executed seamless and professional service interactions to maintain elevated standards.
  • Improved account management by predicting potential competitive threats, and outlining proactive solutions.
  • Monitored industry rivals to devise strategies for mitigating risks.

Intern

Bluestar India pvt ltd
Pune
05.2017 - 06.2017
  • Market research and insights of bluestar air conditioner in pune market

Education

MBA -

Balaji Institute of International Business
Pune
06.2018

B.COM -

TMB University
Bhagalpur
07.2014

Skills

  • Credit Risk Analysis
  • Research and due diligence
  • Credit evaluations
  • Underwriting expertise
  • Strong communication (both oral and written)
  • Collaborative and oriented to work in cross-functional teams
  • Portfolio management
  • Credit scoring

Awards

  • Stylish Player of the Match, Oravel Stays Pvt Ltd 06/11/20, for Key Account Management and a higher take rate
  • Go Getter, Balaji Institute of International Business, 01/15/18, received the 'Go Getter' award in 2018 during my post-graduation
  • Award of Excellence, ICICI Bank, 10/11/23, Received award of excellence for best performance from ICICI Bank.

Timeline

Business Credit Manager

ICICI BANK
04.2020 - Current

Intern

Bluestar India pvt ltd
05.2017 - 06.2017

Key Acoount Manager

Oravel Stays Pvt Ltd
02.2016 - 03.2020

MBA -

Balaji Institute of International Business

B.COM -

TMB University

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Pooja Raj