RENU KANSAL
Finance Professional
Hyderabad
Summary
9 years of experience as Credit Analyst with diversified knowledge from Corporate & MSME Credit to Retail credit. Promoted to Serve as a head of Andhra and Telangana for Retail loans and achieved remarkable results in reduction of TAT, increased Branch manager’s and customers’ satisfaction. Skilled up with FRM Certification and trained in Quant Finance Modelling.
Overview
9
9
years of professional experience
8
8
years of post-secondary education
2
2
Certifications
Work History
Deputy Branch Manager Scale II Officer
Bank of Maharashtra
Hyderabad
08.2012 - 04.2013
- RESPONSIBILITY: Guardian for the branch and managing day to day routine of lockers, clearing, cash position, safe vault, Renewal and opening of New Bank Guarantee/s and Letter of Credit/s.
Branch Manager, Scale IV, CHIEF MANAGER
Bank Of Maharashtra
Bangalore
06.2019 - 06.2019
- I have taken a break after this assignment to pursue FRM (Financial Risk Management- GARP) and for children care.
Head of Central Processing Cell , CHIEF MANAGER
Bank Of Maharashtra
Hyderabad
11.2018 - 06.2019
- ROLE: Lead branches of Telangana and Andhra for Retail Loans, with sanctioning power of Rs 3 crores
- RESPONSIBILITY: Working with Branch managers to increase the retail business of the bank by grabbing new accounts or cross selling.
- Arranging review meetings for the branches of the Zone to review their performance and motivate Branches to perform better.
- Arranging number of camps, campaigns and competitions for increased visibility of the bank's brand and products.
- ACHIEVEMENTS:
- Increased Housing loan business of the Zone by Approximate Rs 20 Crores with monthly average of Rs 3.5 Crore
- Prestigious tie ups for Vehicle and Education loans
- Reduced Turn Around Time
Credit Manager (Scale III) - MSME Loans
Bank Of Maharashtra
Hyderabad
04.2013 - 08.2018
- Gained immense experience through exposure to different MSME industries.
- Assisting 45 Branches of the Zone for Credit related jobs, review/renewal of existing credit limits and sanctioning of new loans
- Worked with customers and branches to understand needs and provide speedy resolution of the loan request.
Finance Manager, Scale II Specialist Officer
Bank of Maharashtra
Thane
05.2010 - 08.2012
- Have handled Credit portfolio of 24 loan accounts consisting majorly Thane Municipal Corporation contractors
- RESPONSIBILITY: Processing new and existing credit limit proposals along with scouting for new credit accounts for diversification of credit portfolio
Education
M.B.A - Finance
ICFAI Business School
Hyderabad 05.2008 - 03.2010
Secondary(XII th) -
Swam Vivekanand Public School
Haryana 03.2004 - 03.2005
B.Com -
M.L.N College/ Kurukshetra University
03.2005 - 03.2008
Higher Secondary (X th) -
Swami Vivekanand Public School, C.B.S.E
Haryana 03.2002 - 03.2003
Financial Risk Management
GARP
11.2020 - 05.2022
Skills
TECHNICAL SKILLSundefined
Accomplishments
- Exposure in Time Series Analysis modelling
- Correlation Modelling with the use of Gaussian Copula, Choloskey decomposition
- Regression modelling using Solver in MS Excel
- Credit Score Modelling- Application Scorecard, Behavioral Score Cards with Vintage and Roll Rate Analysis
- Machine Learning Techniques- Supervised Learning, Unsupervised learning- Clustering, K- nearest neighbor, classification tree
- Worked in “CBS- Centralized Banking System” for 9 years in the previous employment
- Used Internal Credit Rating Models for Credit Rating Evaluation.
Certification
2022- FRM (GARP)
Timeline
Financial Risk Management
GARP
11.2020 - 05.2022
Branch Manager, Scale IV, CHIEF MANAGER
Bank Of Maharashtra
06.2019 - 06.2019
Head of Central Processing Cell , CHIEF MANAGER
Bank Of Maharashtra
11.2018 - 06.2019
Credit Manager (Scale III) - MSME Loans
Bank Of Maharashtra
04.2013 - 08.2018
Deputy Branch Manager Scale II Officer
Bank of Maharashtra
08.2012 - 04.2013
Finance Manager, Scale II Specialist Officer
Bank of Maharashtra
05.2010 - 08.2012
M.B.A - Finance
ICFAI Business School
05.2008 - 03.2010
B.Com -
M.L.N College/ Kurukshetra University
03.2005 - 03.2008
Secondary(XII th) -
Swam Vivekanand Public School
03.2004 - 03.2005
Higher Secondary (X th) -
Swami Vivekanand Public School, C.B.S.E
03.2002 - 03.2003
2022- FRM (GARP)
2013- CAIIB
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