Ranjeeta Gupta
Greater Noida
Summary
Area Credit Manager with extensive experience at Axis Bank Ltd, specializing in credit underwriting and risk assessment. Demonstrated ability to enhance decision-making through performance reporting and data analysis. Expertise in regulatory compliance and user acceptance testing, leading to significant process improvements and timely credit decisions.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Area Credit Manager – Business Loans
Axis Bank Ltd
Delhi NCR
12.2021 - Current
- Conducted credit underwriting for business, personal, mortgage, and auto loans.
- Prepared and validated Credit Approval Memos (CAM) based on customer profiles and risk assessments.
- Assessed creditworthiness utilizing CIBIL scores and internal data; managed KPIs and approval quality.
- Generated detailed MIS and performance reports to enhance decision-making processes.
- Collaborated on FP&A planning, including Annual Operating Plans and long-range forecasts.
- Supported UAT team through functional testing, bug reporting, and system validation.
- Drove standardization and improvements in FP&A and credit assessment processes.
Area Credit Manager – Loans Division
ICICI Bank Ltd
Noida
08.2015 - 12.2021
- Executed credit underwriting for business, personal, mortgage, and auto loans.
- Prepared and validated Credit Approval Memos based on customer eligibility and risk profiles. Analyzing performance for knowing banking Activities.
- Analyzed performance metrics to evaluate banking activities effectively.
- Assessed creditworthiness through CIBIL scores and internal data; managed KPIs and approval quality.
- Oversaw underwriting processes for retail loan products, including credit cards.
- Delivered timely credit decisions while adhering to established risk frameworks.
- Created dashboards to monitor loan approval quality and portfolio performance.
Article Assistant
CA Dipak Poddar & Co.
Kolkata
04.2007 - 10.2010
- Handled vendor invoices, credit/debit notes, and accounts payable processes.
- Reconciled stock, bank statements, debtors, and creditors monthly.
- Managed fund disbursement, fixed deposits, and coordinated LC/BG documentation.
- Assisted in maintaining books of accounts and supported compliance efforts.
Education
Chartered Accountant (CA) -
Institute of Chartered Accountants of India (ICAI)
KolkataB.Com -
The Bhawanipur Education Society
KolkataSkills
- Microsoft Office Suite
- Financial reporting tools
- Windows operating systems
- User acceptance testing and bug tracking
- Financial analysis
- Performance reporting
- Credit underwriting
- Risk assessment
- Regulatory compliance
- Data analysis
Certification
- Financial Analysis Proddegree – KPMG (Completed: 2021-11)
- 100 Hours Compulsory IT Training – ICAI
Languages
Languages Known: English, Hindi, Bengali
Timeline
Area Credit Manager – Business Loans
Axis Bank Ltd
12.2021 - Current
Area Credit Manager – Loans Division
ICICI Bank Ltd
08.2015 - 12.2021
Article Assistant
CA Dipak Poddar & Co.
04.2007 - 10.2010
Chartered Accountant (CA) -
Institute of Chartered Accountants of India (ICAI)
B.Com -
The Bhawanipur Education Society