Pragya Benedict
Bangalore
Summary
- Resourceful Credit Risk Manager, known for high productivity and efficient task completion for the last 2 years. Specialize in risk assessment methodologies, financial analysis, and regulatory compliance strategies. about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
- Excel in problem-solving, communication, and strategic planning to mitigate risks effectively and support business objectives.
- Knowledge of configuration and integration of SAP FICO with other different modules. Responsible and detail-oriented with strong problem-solving, technical, and analytical abilities.
Overview
3
3
years of professional experience
1
1
Certification
Work History
Credit Risk Manager
HDFC bank
Bangalore
10.2022 - Current
- Prepared CAM report along with assessing historical and current cash flow, debt structure, debt repayment, and leverage ratio of small/medium enterprises.
- Liaised with the central policy/compliance team to tailor the local PQM (Portfolio Quality Management) filter for the east/south region.
- Ensured compliance policies are followed and in line with the updated changes in process and policies.
- Liaised with the Policy and Process team about the issues faced during Underwriting.
- Identified gaps in the lending processes to reduce fraudulent approvals.
- Reviewed monthly and quarterly GNS (Gross-Non-Starter) and EMR (Early Mortality report) reports to keep portfolio quality in check.
- Created dynamic Excel models to improve TAT and increased efficiency by 20%.
- Visited CPV and PFI agencies on a quarterly basis for audit reviews.
Business Trainee
ICICI Prudential Life Insurance
Bhubneswar
07.2021 - 10.2022
Key responsibilities:
- Channel: ICICI Securities.
- Up-sell and cross-sell of products.
- Acquisition and retention of new and existing customers.
- Explored various investment opportunities.
Education
PGDM (Finance) -
Xavier Institute of Social Service
Ranchi01.2021
B.Com -
St. Xavier's College of Management and Technology
Patna01.2019
Higher Secondary -
St. Xavier's Higher Secondary School
Bettiah01.2015
Skills
- ERP/ S4 Hana
- SAP FICO
- Accounts Payable/ Receivable
- Reconciliation
- Credit analysis
- Loan Underwriting
- Financial Statement Analysis
- Portfolio Management
- Observant and Decisive
- Problem-solving
Certification
- SAP FICO, Henry Harvin.
- Banking Credit Analysis Process, Udemy Inc.
- Credit Risk Analyst, Udemy Inc.
- Financial Modeling for Business Analysts and Consultants, Udemy Inc
SAP Skills
- Knowledge in the configuration of the SAP FICO modules: - General Ledger Accounting, Accounts Payable (AP), Accounts Receivables (AR), Cash Journal, financial Statements.
- Maintaining journal entries registers, Invoice Registers, Management of Accounts Payable with monthly reconciliation of balance.
- Customizing FICO module for various GL, AR and controlling parameters.
- Different configurations and integrations in SAP FICO module.
Projects
Structural Analysis of Debts in Cooperative Banks | Reserve Bank of India Patna | May 2020–July 2020
- Conducted qualitative, quantitative research over the cooperative banks in the domain of Tier 2, 3 cities in India. Analyzed KPI, financial ratio, and balance sheet to understand quantified lending capacity and draw analysis over non-performing loans.
- Conducted comparative analysis on impact on bad debts on these banks across Bihar against other states, draw analysis over the other challenges faced by cooperative banks.
- Provided recommendations and productive solutions on reducing loan defaults and improve work efficiency with optimum utilization of technology
Accomplishments
- Gold Medalist | B.Com | 2019
- Silver star award for best performance in the quarter in HDFC Bank
- In the year 2022-23 reduced the vendor cost the bank by 20%.
Timeline
Credit Risk Manager
HDFC bank
10.2022 - Current
Business Trainee
ICICI Prudential Life Insurance
07.2021 - 10.2022
PGDM (Finance) -
Xavier Institute of Social Service
B.Com -
St. Xavier's College of Management and Technology
Higher Secondary -
St. Xavier's Higher Secondary School
Similar Profiles
KAMALA SUBRAMANIANKAMALA SUBRAMANIAN
Senior Vice President and Unit Head at HDFC Bank Limited, HDFC BankSenior Vice President and Unit Head at HDFC Bank Limited, HDFC Bank
Vignesh HanglurVignesh Hanglur
Deputy Manager at HDFC LTD/ HDFC BANK LTDDeputy Manager at HDFC LTD/ HDFC BANK LTD
Ramesh GollaRamesh Golla
Sr. Corporate Agency Manager at HDFC Life Insurance Company Limited (HDFC BANK)Sr. Corporate Agency Manager at HDFC Life Insurance Company Limited (HDFC BANK)
BENOY MATHEWBENOY MATHEW
Personal Banker at HDFC BankPersonal Banker at HDFC Bank
C. RathiC. Rathi
Business Development Manager at HTC Global ServicesBusiness Development Manager at HTC Global Services