Summary
Overview
Work History
Education
Skills
Timeline
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Rashmi Tadadikar

Navi Mumbai

Summary

Analytical and detail-focused Credit Analyst with expertise in credit risk assessment, and risk mitigation strategies. Experienced in project management, UAT testing, wireframe system design and process design; ensuring seamless integration of risk management practices into business operations.

Overview

6
6
years of professional experience

Work History

Credit Manager

Godrej Capital
Mumbai
03.2025 - Current
  • Product - Business Loan - SENP
  • Assessed unsecured business loan applications up to ₹ 70 Lacs based on financials, cash flows, and repayment capacity.
  • Conducted personal discussions (PDs) with borrowers to evaluate creditworthiness and gather qualitative insights.
  • Performed detailed CIBIL analysis, internal deduplication, and third-party checks to validate borrower credibility.
  • Structured credit proposals that balanced customer needs with risk appetite and policy guidelines.
  • Approved credit decisions based on credit score, risk exposure and past repayment behavior.
  • Collaborated with sales, vendor - RCU / FI, and operations teams to ensure smooth disbursal and compliance.

Assistant Manager - Credit Analyst

Unity Small Finance Bank
Mumbai
02.2023 - 03.2025
  • Products - Joint Liability Group, Personal Loan and Secured Business Loan
  • Monitored existing credit accounts (Hindsighting), identified potential risks, and recommended strategies to mitigate losses.
  • Assessed the Acquisition Scorecard, ensuring its effectiveness in evaluating borrower creditworthiness and optimizing risk assessment metrics.
  • Prepared detailed credit risk reports by analyzing data and presented findings to senior management for strategic decision-making.
  • Conducted a comprehensive portfolio scrub analysis to assess the impact of new credit norms.
  • Providing valuable Credit inputs in the formulation of BRD and SOP
  • Performed User Acceptance Testing (UAT) for Credit Norms and Acquisition Scorecard for Secured Loan product.
  • Designed report formats with an emphasis on secured loan product, facilitating data analysis to provide better insights.
  • Designed system workflows and wireframes for Web UI to streamline credit process.
  • Collaborated with team members to develop project schedules, allocate resources, and track project milestones.
  • Identifying system bug issues and fixing them timely in close coordination with IT team
  • Co-ordinating with vendor for credit-related system requirements.

Tax Intern

The Shipping Corporation of India Ltd.
Mumbai
06.2022 - 08.2022
  • Daily B2B e-invoicing following data downloads from SAP FICO
  • ITC Reconciliation through comparison of Form GSTR-2 and purchase register

Tax Intern

Tax Avenue
Navi Mumbai
02.2019 - 02.2019
  • GST-R 3B Return Filing
  • ITR Filing of Individual Clients
  • Preparing Balance sheet of Individuals

Education

PGDM - Finance

Vivekanand Education Society
08.2023

B.Com - Accounting and Finance

SIES College of Arts, Science & Commerce
05.2021

Class XII -

St. Joseph Jr. College
02.2018

Class X -

Carmel Convent High School
03.2016

Skills

  • MS - Office
  • Credit Analysis
  • Data Visualization
  • Project Management
  • Power BI
  • Risk Assessment
  • Drawio

Timeline

Credit Manager

Godrej Capital
03.2025 - Current

Assistant Manager - Credit Analyst

Unity Small Finance Bank
02.2023 - 03.2025

Tax Intern

The Shipping Corporation of India Ltd.
06.2022 - 08.2022

Tax Intern

Tax Avenue
02.2019 - 02.2019

PGDM - Finance

Vivekanand Education Society

B.Com - Accounting and Finance

SIES College of Arts, Science & Commerce

Class XII -

St. Joseph Jr. College

Class X -

Carmel Convent High School

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