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
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
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