Priya Pandey
Gurgaon
Summary
Seasoned Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss. An organized and motivated individual, eager to utilize time management and organizational skills across diverse settings. Seeking entry-level opportunities to enhance abilities while contributing to company growth.
Overview
4
4
years of professional experience
Work History
Credit Manager
Metafin Cleantech Pvt Ltd
Gurgaon
05.2024 - Current
- Researched industry trends in order to develop innovative strategies for improving collection processes.
- Reviewing financial statement( PL, BL AND CF), Credit bureau, Banking in excel based template and in lending platform along with key metrics calculation.
- Cam report writing, making after doing all the work on Excel, and presents on report writing.
- Evaluated and approved credit applications based on thorough financial analysis and risk assessment.
- Do the ratio analysis like Abb to emi, Leverage Ratio, Dscr, current ratio.
Senior Credit Analyst
Indifi Technologies Pvt Ltd
Gurgaon
11.2022 - 05.2024
- Conducted through analysis of financial statements, Ratio Analysis performance and trends to assess the creditworthiness of MSMEs clients. Analyzed and Maintained Credit risk models, including probability of default(PD), (EAD) and (LGD) as well as scorecards .
- Analyzed loan applications submitted by corporations, using liquidity, leverage, DCSR, current ratio, and credit history to evaluate risk associated with issuing loans.
- Implemented risk assessment techniques to identify indicators of potential attempts at fraud or other unethical activity, denying suspicious applications to protect the company.
- Scrutinizing applications and analyzing CIBIL statements and financial statements before assigning them to lenders with proper TAT and quality, created clear CAM reports.
Credit Analyst
Bigbull dealt India pvt Ltd
Gurgaon
10.2020 - 10.2021
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Collaborated with other departments within the organization to ensure efficient processing of loan applications.
- Reviewed loan applications for accuracy and completeness before submitting them for approval.
Education
MBA -
A.p.j Abdul Kamal Technical University
Lucknow04-2020
Bcom - Bcom
Lucknow University
Lucknow04-2018
High School Diploma -
D.A.V Public School
Sonebhadra04-2015
Skills
- Financial Statement and Ratio analysis
- Credit Risk Assessment
- Portfolio Management
- MS Office Proficiency
- Business Model Evaluation
- CIBIL report Analysis
- Risk Assessments
Timeline
Credit Manager
Metafin Cleantech Pvt Ltd
05.2024 - Current
Senior Credit Analyst
Indifi Technologies Pvt Ltd
11.2022 - 05.2024
Credit Analyst
Bigbull dealt India pvt Ltd
10.2020 - 10.2021
MBA -
A.p.j Abdul Kamal Technical University
Bcom - Bcom
Lucknow University
High School Diploma -
D.A.V Public School
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