Summary
Overview
Work History
Education
Skills
Websites
Accomplishments
Timeline
Generic
Rashmi Raina

Rashmi Raina

Bengaluru

Summary

Analytical and strategic thinker with extensive experience in microfinance, focusing on MSME and NBFC credit underwriting and risk monitoring. Demonstrated high productivity and efficiency in task completion, ensuring accuracy and timely project delivery. Specialized skills include structuring debt transactions, risk assessment, credit proposal writing, client management, and portfolio management.

Overview

9
9
years of professional experience

Work History

Senior Manager -Partnerships

Avanti Finance Private Limited
Bengaluru
02.2021 - Current
  • Evaluating 50+MSME (Dairy, Sugar, Cotton, Poultry etc), Agri-tech, NBFC clients across India with portfolio ranging from 100M to1000M.
  • Evaluating 30+NBFC proposals for Business Correspondent Model, evaluating their portfolio performance, financial position for on-boarding portfolio ranging from 500M to10000M.
  • Evaluating financials of companies, conducting due diligence for on-boarding with comprehensive risk underwriting to understand the operation, products, overall performance of the company.
  • Conducting periodic financial and comprehensive analyses of underlying entities for every transaction in order to identify early warning signals or concerns, if any, or the potential for renewal or enhancement.
  • Active visits to the companies and frequent interaction with the top management to benchmark and identify early warning signals/concerns as a part of account monitoring process.
  • Flagging off risk concerns to credit risk committee and top management on underlying clients.

Manager - Second Level Institutional Lending

NABARD Financial Services Ltd.
Bengaluru
11.2017 - 01.2021
  • Identifying clients for business expansion.
  • Evaluating 70+ institutional clients, including NBFCs, MFIs, trusts, and cooperatives, for on-lending business, for onboarding a portfolio ranging from 100M to 10,000M.
  • Conducted field due diligence, financials assessment, discussion with CXOs.
  • Presenting to credit committee, handling end to end account including Agreement execution, disbursement, Collection and account monitoring.
  • Innovating demand-based products for the customers.
  • Achieving monthly targets in accordance with the yearly target given (Annual Target 1500 Million).
  • Conducting periodic financial and comprehensive analysis of underlying entities for every transaction, to identify early warning signals/concerns, if any or the potential of renewal/enhancement.
  • Handling Charge Creation/Modification/Satisfaction.
  • Handling restructuring of the accounts during Covid-19.
  • Handling Internal Audit and RBI inspection queries.

Partnership Manager

Light Microfinance Pvt Ltd.
Ahmedabad
04.2016 - 10.2017
  • For retail disbursement processed loan applications and credit underwriting.
  • Provided underwriting information to field team.
  • Handled team of 10 credit underwriters at Head Office.
  • Managed Lender Relationship under Business Correspondent (BC) Vertical of the company. Was designated SPOC from Light for the Bankers.
  • Handled credit underwriting of cattle loan, disbursed under BC partnership.
  • Managed portfolio of 500 Millions of cattle loan, handled end to end process covering credit underwriting, CAM preparation, resolving credit queries, meeting monthly disbursement numbers, monthly MIS, account reconciliation, collection monitoring and raising of service invoice.

Education

MBA -

KIIT School of Rural Management
Bhubaneswar
02-2016

BBA -

Banasthali University
Jaipur
05-2014

CBSE 12 - Commerce -

Vidya Bharati Chinmaya Vidyalaya
Jamshedpur
03-2011

CBSE 10 -

Vidya Bharati Chinmaya Vidyalaya
Jamshedpur
03-2009

Skills

  • MSME / NBFC Lending
  • Business Development
  • Regulatory compliance
  • Credit Underwriting
  • Client relationship management
  • Market Research
  • Account Management
  • Portfolio Management
  • Risk Monitoring
  • Account Monitoring
  • Financial analysis
  • Risk assessment
  • Portfolio management

Accomplishments

  • Represented Odisha as a winning team at the Conclave for South Asia Youth Environment Network at the American Centre, New Delhi, Oct 2015.
  • Awarded for one of the Best Papers on 'Opportunities and challenges in transacting Jan Dhan Yojana', across more than 10 colleges and 100+ participants organized by Sahej: e-Village at Bhubaneswar.
  • Student Representative, organized several academic conclave and cultural events at KSRM university.
  • Pursued Radio Jockeying in 2014.
  • Achieved Academic Excellence Awards from TATA Motors for good performance in CBSE 10 and 12.

Timeline

Senior Manager -Partnerships

Avanti Finance Private Limited
02.2021 - Current

Manager - Second Level Institutional Lending

NABARD Financial Services Ltd.
11.2017 - 01.2021

Partnership Manager

Light Microfinance Pvt Ltd.
04.2016 - 10.2017

MBA -

KIIT School of Rural Management

BBA -

Banasthali University

CBSE 12 - Commerce -

Vidya Bharati Chinmaya Vidyalaya

CBSE 10 -

Vidya Bharati Chinmaya Vidyalaya

Similar Profiles

CREATE PROFILE
Rashmi Raina