Rupesh Yadav
CREDIT MANAGER
Bhubaneswar
Summary
Detail-oriented finance professional with 4+ years of experience in credit analysis and financial operations. Experienced in evaluating financial statements and business performance to support credit decisions and risk assessment. Proven ability to work in fast-paced environments and collaborate with cross-functional teams to achieve organizational goals.
Overview
5
5
years of professional experience
3
3
Languages
Work History
Credit Processing Analyst – SME Finance
TATA CAPITAL
02.2025 - Current
- Preparing and analyzing Credit Monitoring Arrangement reports to support credit appraisal.
- Responsible for preparing and analyzing Credit Appraisal Memo reports.
- Generating AI-based Credit Appraisal Memo reports.
- Analyzing financial statements to assess customer creditworthiness for credit appraisal and risk evaluation.
- Responsible for extracting CIBIL reports and analyzing applicants' repayment history to assess credit risk.
- Conducting KYC and AML checks in line with applicable regulatory requirements.
- Preparing MIS reports for performance monitoring.
- Coordinating with cross-functional internal teams to ensure a smooth workflow and timely completion of tasks.
- Addressing internal audit queries with proper clarification and documentation.
Finance Associate
TATA POWER WESTERN ODISHA DISTRIBUTION LIMITED
11.2021 - 02.2025
- Analyzed billing and consumption data to identify trends, discrepancies, and revenue leakages
- Prepared and analyzed MIS reports for revenue, collections, and performance tracking
- Performed variance analysis to identify deviations in billing and collection patterns
- Monitored receivables and supported collection strategy to improve cash flow
- Reduced billing discrepancies by 25%, improving data accuracy and operational efficiency
- Ensured accuracy of financial data and resolved billing-related issues
Audit Assistant
CA ASHISH AGARWAL & ASSOCIATES
02.2021 - 10.2021
- Assisted in audit and financial data verification
- Performed stock verification and reconciliations
- Supported basic financial statement preparation
Education
Bachelor of Commerce - B.Com
Municipal College
Rourkela01-2020
CMA Intermediate - In Progress
Institute of Cost Accountants of India
Skills
- MS Excel
- SAP FICO
- GST & Taxation
- KYC & AML
- MIS Reporting & Data Analysis
- Financial Statement Analysis
- Credit Risk Assessment & Loan Appraisal
- Data modeling
Accomplishments
Reduced billing discrepancies by 25%,improved accuracy and efficiency.
Timeline
Credit Processing Analyst – SME Finance
TATA CAPITAL
02.2025 - Current
Finance Associate
TATA POWER WESTERN ODISHA DISTRIBUTION LIMITED
11.2021 - 02.2025
Audit Assistant
CA ASHISH AGARWAL & ASSOCIATES
02.2021 - 10.2021
Bachelor of Commerce - B.Com
Municipal College
CMA Intermediate - In Progress
Institute of Cost Accountants of India