RADHIKA KULKARNI

Analytical and results-driven analyst with proven experience in SME Loans and Home loans processing, risk assessment, and portfolio management. Skilled in interpreting complex financial data to advise on creditworthiness and investment opportunities. Demonstrated ability to improve loan application processes and underwriting standards, leading to more efficient decision-making and reduced default rates. Adapt at working within regulatory frameworks to ensure compliance while optimizing financial performance.

• Datamatics Global Services Ltd, Trainee, 10/12 - 03/13
• Kimplas Piping Systems Ltd, Summer Intern, 06/11 - 07/11

• Attended National Seminar on 'Sustainable Development - challenges & opportunity' conducted by HNIMR; 02/11.
• Acquainted with Entrepreneurship Development Program at HNIMR & participated in Business plan competition; 02/11.
• Participated in the 'Indian Student Council Leaders' 1st Parliament Meeting at MEER's MIT School of Govt; 2011.

Date of Birth: 04/02/89

Will be pleased to furnish upon request.

• English
• Hindi
• Marathi

• Home Loans Settlement Officer, Acting as an escalation point for internal and external stakeholders to ensure settlement tasks are completed accurately and in timely manner., Proactively identifying and reporting on account discrepancies and anomalies during settlements., Communicating with all parties: customers, brokers and solicitors throughout transaction to coordinate and complete settlement., PEXA settlement for external/internal refinance and preparing PEXA for Purchase settlement., Conducting Title searches, checking first home honours grant approval, ordering payout figure., Working on team leader directed files and escalated files with the same day settlement., Engaging in daily team meeting and actively providing feedbacks and ideas., Handling customer complaints and working on complex deals.
• Finance Executive, Handled preparations of Credit Monetary Appraisal for SME (Term Loan & Working Capital Loan, BG); and Detailed Project Reports (DPR) to be submitted before Financial Institutions for MSME Credit & Loan Proposals., Effectively performed Calculation of MPBF (Maximum Permissible Bank Finance); DSCR (Debt Service Coverage Ratio) of Working Capital and prepared Documentations for proposals of various credit facilities., Efficiently prepared Financial Models, historical projections & Project Appraisals; based on Financial, Ratio & Working Capital analyses; and evaluated Reports for FFR, Stock Audit etc.
• Accounts Executive, Preparation of SME Loan Proposal and Detailed Project Reports (DRP)., Accounting For Partnership firms, Private Limited Company., Audit Work Like vouching of various books.

• Financial Markets & Institutions
• Banking & Finance
• Finance Management
• Business & Financial Analysis