Priyadharshini L
Credit Manager
Chennai,Tamil nadu
Summary
Detail-oriented and analytical Credit Analyst with 2 years of experience at HDFC Bank evaluating creditworthiness of retail and SME clients. Proven ability to assess risk, interpret financial data, and make sound credit decisions under tight deadlines. Skilled in financial modeling, credit scoring, and regulatory compliance. Eager to contribute analytical expertise and financial acumen to the credit risk team.
Overview
6
6
years of professional experience
18
18
years of post-secondary education
5
5
Languages
Work History
Credit Manager
HDFC Bank
05.2023 - Current
- Appraised loans from 6 Lacs upto 10 crs and handled Large category profiles of Transport Operators and captive profiles.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Approved Loans upto 75 Lacs based on credit eligibility assessment.
- Managed vendor relationships, HFA Preparations, Portfolio management apart from Credit checks.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Mentored junior team members in credit management best practices to enhance overall department performance.
Intern
Indian Bank
02.2023 - 05.2023
- Supported staff members in their daily tasks, reducing workload burden and allowing for increased focus on higher-priority assignments.
- Gained valuable experience working within a bank, applying learned concepts directly into relevant work situations.
- Contributed to a positive team environment by collaborating with fellow interns on group projects and presentations.
Finance Intern
Murugappa - Cholamandalam Investment and Finance Company Limited
05.2022 - 07.2022
Human Resource Trainee
Ifortis Worldwide
05.2021 - 07.2021
Human Resource Intern
Sundaram Business Services Limited
05.2019 - 06.2019
Education
MBA - Finance And HR
Vellore Institute of Technology
Vellore 04.2021 - 01.2023
Bachelor of Business Administration -
Women's Christian College
01.2018 - 01.2021
Diploma in Computerized Accounting - undefined
Women's Christian College
01.2019 - 01.2020
12th CBSE - Commerce With IP
Kendriya Vidyalaya Island Grounds
01.2016 - 01.2018
10th CBSE - General
Kendriya Vidyalaya Island Grounds
01.2006 - 01.2016
Skills
Verbal and written communication
Extracurricular Activities
- Secretary of Eco Club, WCC Shift II 2020-2021
- Secured 3rd in Business Quiz, Business Standard Newspaper
- Awarded Overall Trophy as Sport Captain in 12th.
- Winner In Interdepartmental Cricket Conducted by WCC 2018-2020
- Represented my School in Regional Level Kho Kho, Kabbadi and Chess
- Event Head For Channel Surfing Event - Invictus 2022
Trainings And Certificates
- International leadership and organizational behavior, Coursera, 10/01/20, 11/30/20
- Fundamentals of Leadership and Management, NSE-Finmark, 11/01/18, 12/31/18
- Fundamentals of Stock Market, NSE-Finmark, 11/01/18, 12/31/18
Timeline
Credit Manager
HDFC Bank
05.2023 - Current
Intern
Indian Bank
02.2023 - 05.2023
Finance Intern
Murugappa - Cholamandalam Investment and Finance Company Limited
05.2022 - 07.2022
Human Resource Trainee
Ifortis Worldwide
05.2021 - 07.2021
MBA - Finance And HR
Vellore Institute of Technology
04.2021 - 01.2023
Human Resource Intern
Sundaram Business Services Limited
05.2019 - 06.2019
Diploma in Computerized Accounting - undefined
Women's Christian College
01.2019 - 01.2020
Bachelor of Business Administration -
Women's Christian College
01.2018 - 01.2021
12th CBSE - Commerce With IP
Kendriya Vidyalaya Island Grounds
01.2016 - 01.2018
10th CBSE - General
Kendriya Vidyalaya Island Grounds
01.2006 - 01.2016
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
Jignesh PatelJignesh Patel
Relationship Manager at HDFC Sales Pvt. Ltd. (Group Company Of HDFC Bank)Relationship Manager at HDFC Sales Pvt. Ltd. (Group Company Of HDFC Bank)
Prodip SahaProdip Saha
Collection Officer at HDFC Bank, Bajaj Finance, Axis Bank, IDFC BankCollection Officer at HDFC Bank, Bajaj Finance, Axis Bank, IDFC Bank
Rajan GargRajan Garg
Assistant Manager at HDFC Bank LTD (HDFC Sales Pvt Ltd)Assistant Manager at HDFC Bank LTD (HDFC Sales Pvt Ltd)
Parthiban MuruganParthiban Murugan
IT Analyst at TCS SiruseriIT Analyst at TCS Siruseri