Pranita Lokegaonkar
Mumbai
Summary
Credit & Financial Analysis Professional | 9+ Years of experience in catering to Mid & Large Market Lending, Risk Assessment & Bespoke Financing Solutions
Currently working as a credit analyst at Kotak Mahindra Bank, evaluating working capital and term lending solutions for Mid and Large Corporate across diverse industry segments. Seeking opportunities to leverage domain expertise in strategic credit risk and financial analysis roles.
Overview
9
9
years of professional experience
Work History
Associate Vice-President - Mid- Market & Large Corporate
Kotak Mahindra Bank
09.2022 - Current
- Responsible for detailed credit and risk analysis for assigned portfolio and New to Bank cases under Mid and Large Corporate segment.
- In both the segment I have handled Mid-Small-Micro Cap manufacturing & service providers and funding overseas clients via gift city.
- Core job role included understanding client's industry segment, product market fit, business model, detailed financial analysis, available runway, devising projection and risk mitigation strategy.
- Financial Modelling and limit structuring along with preparation of credit appraisal note for presentation to risk team and credit committee.
- Mediating with various teams to complete valuation, legal check etc. to maintain minimum turnaround time.
- Post on-boarding client servicing and monitoring of account.
Senior Credit Manager - MCG
ICICI Bank Limited
10.2021 - 09.2022
- Underwriting proposals for working capital loans amounting Up to 50 Cr
- Meeting clients to understand their requirements and undertaking credit appraisal
- Hold rounds of discussions with Area and Regional Heads to mitigate risks to take the proposals ahead for further process
- Further, liaising with the sanctioning authority to clear their queries and take it to the final conclusion
- Basis final judgement of the concerned authority approving/rejecting loan applications made by the client
- Negotiated favorable terms for both new loans and restructured existing debt arrangements, ensuring mutually beneficial outcomes for all parties involved.
Business Credit Analyst
Aditya Birla Capital
06.2019 - 10.2021
- Working on the assessment of loan proposals for the ticket size up to Rs.40.00 Cr.
- Conducting detailed due diligence of the company
- Analyzing customer data such as financial statements, business profile to determine level of risk involved for extending credit.
- Interacting with the promoters and key personnel of the company's and understanding the business, financial performance, and reason for the requirement of the loan. Deriving the eligibility and making detailed Credit.
- Assessment Memo for eligible clients and then further processing it to the risk team. Getting the risk query resolved from the client and further, assisting the team to present it to the approving authority for sanctioning of the loan.
Credit Analyst
CRISIL Ratings Limited
05.2016 - 06.2019
- Credit rating of SME's (turnover up to Rs.600 Crores) including but not limited to pharmaceuticals, engineering, automobile, real estate, construction and infrastructure, textile, information technology
- Assisting senior team with the process of new product development, undertaking end-to-end testing, and further postproduction, training the teams
- Conducting surveys for CRISIL-SIDBI (CRISIDEX) sentiment data of MSME's
- Assessment of various awards for MSME's conducted by CRISIL-ICICI Bank; CRISIL-SIDBI
Education
Certificate in Advanced Programme in Fintech and Financial Blockchain -
Indian Institute of Management
05.2022
Masters: Management Studies - Finance
Rustomjee Business School
05.2016
B. Com - Accounting and Finance
Viva College
06.2013
Skills
- MS Office
- Bank Finacle
- Enthusiastic about fintech
- Excellent written and verbal communication skills
CORE COMPETENCIES
- Credit Risk Analysis
- Structured Finance
- Financial Modelling
- Stakeholder Management
- Large Corporates & Mid Lending
- Mentor
Awards Recognition
- Dean's Scholar- Rustomjee Business School
- CRISIL Ratings - 'Star of the Quarter'
- 'Bright Spark Award'
- S&P Global - 'Silver Ace' for execution with discipline
Timeline
Associate Vice-President - Mid- Market & Large Corporate
Kotak Mahindra Bank
09.2022 - Current
Senior Credit Manager - MCG
ICICI Bank Limited
10.2021 - 09.2022
Business Credit Analyst
Aditya Birla Capital
06.2019 - 10.2021
Credit Analyst
CRISIL Ratings Limited
05.2016 - 06.2019
Certificate in Advanced Programme in Fintech and Financial Blockchain -
Indian Institute of Management
Masters: Management Studies - Finance
Rustomjee Business School
B. Com - Accounting and Finance
Viva College
Similar Profiles
Sveta KakerlaSveta Kakerla
DEPUTY MANAGER - Product Manager: Risk Monitoring at KOTAK MAHINDRA BANK- Kotak 811DEPUTY MANAGER - Product Manager: Risk Monitoring at KOTAK MAHINDRA BANK- Kotak 811
Deepali JagdaleDeepali Jagdale
Senior Manager - Analytics at Kotak Mahindra BankSenior Manager - Analytics at Kotak Mahindra Bank
Shubham ManeShubham Mane
Data Analytics at Kotak Mahindra BankData Analytics at Kotak Mahindra Bank