Rumi Neha
Credit Analyst
BANGALORE
Summary
Competent credit analyst bringing approximate 4 years of rich risk analysis experience in the banking and Trade Insurance Industry. Experience in debtor risk assessment of multiple industry in India and Australia.
Overview
5
5
years of professional experience
6
6
years of post-secondary education
Work History
Credit Analyst
Coface India Credit Management Services Private Limited
Bengaluru
07.2020 - Current
- Monitored debtor risk based on analyzed financial statements, press release, information from broker for Asia Pacific region
- Produced and validated debtor rating according to group delegation rules.
- Made recommendation for the exposure that cogently capture the rationale behind it to Risk Underwriter (RU).
- Contacted companies through interviews to get in-dept financial and business information in order to prepare Debtor Visit Report (DVR).
- Prepared debtor report which include details about the debtor business, financials analysis along with precise recommendation to RUT.
- Handled adhoc request in a timely and efficient manner within TAT of 24 hour.
- Maintained daily tracker to monitor work efficiency.
- Handled Australian Coface mailbox and managed to solve the queries.
Deputy Manager (Credit), Agri-SME
Kotak Mahindra Bank Ltd
Mumbai
05.2017 - 10.2019
- Analyzed financial statement.
- Checked default behavior of the borrowers, co-borrowers and Guarantors.
- Evaluated eligibility amount based on risk associated with the case.
- Visited client location for in-dept business information and verification.
- Recommended credit proposal to higher authority within a defined TAT.
- Evaluated proposals with ticket size ranging from 1 Cr. to 25 Cr.
- Reviewed the business performance of the existing borrowers YOY.
- Coordinating with multiple teams to create the proposals within defined TAT viz. sales, operations, lawyers, Empanelled Valuer.
- Used Microsoft Word and Microsoft Excel and other software tools to create credit proposal.
Accounts Assistant
N.K. Kejriwal& Company
Ranchi
08.2013 - 07.2014
- Accountancy.
- Reconciliation of Bank statement.
- Data entry in Tally ERP9.
- Stock Audit.
- Maintained daily MIS.
Education
PGDM - Finance
Jaipuria Institute of Management
Lucknow 06.2015 - 03.2017
Bachelor of Commerce - Commerce
Gossner College
Ranchi 06.2011 - 05.2013
High School Diploma -
Chinmaya Vidyalaya
Bokaro Steel City 04.2008 - 03.2010
Skills
Commercial and consumer clients
Credit risk
Credit decisions
Financial statements expertise
Credit score understanding
MS Office
MS Excel
Timeline
Credit Analyst
Coface India Credit Management Services Private Limited
07.2020 - Current
Deputy Manager (Credit), Agri-SME
Kotak Mahindra Bank Ltd
05.2017 - 10.2019
PGDM - Finance
Jaipuria Institute of Management
06.2015 - 03.2017
Accounts Assistant
N.K. Kejriwal& Company
08.2013 - 07.2014
Bachelor of Commerce - Commerce
Gossner College
06.2011 - 05.2013
High School Diploma -
Chinmaya Vidyalaya
04.2008 - 03.2010