Summary
Overview
Work History
Education
Skills
Certification
Languages
Awards
Passions
Timeline
Generic

SANJAY ANAND VERMA

Gurugram

Summary

Credit Risk Analyst with 3.5 years of banking experience and over 5 years of post-qualification expertise. Skilled in financial report analysis and working capital products, with a proven track record of identifying risk indicators. Delivers actionable recommendations that enhance credit decision-making processes. Aiming to contribute to dynamic environments that foster organizational growth and further develop analytical capabilities.

Overview

7
7
years of professional experience
1
1
Certification

Work History

Credit Manager

Kotak Mahindra Bank
Gurugram
12.2021 - Current
  • Understanding of the financial products offered to clients.
  • Analyzing the creditworthiness and assessing the fund-based and non-fund-based limits requirement of the borrower, with exposure ranging from Rs 15 million to 500 million for new bank and existing clients.
  • Evaluating clients' financial performance through the Financial Statements, macro and microeconomic conditions, industry performance, and borrowers' relative performance compared to peers.
  • Conduct an in-depth analysis of bank account conduct with existing bankers, and analyze the banking history, business vintage, along with the past track records of the borrower.
  • Conduct an in-depth financial analysis of the Balance Sheet, P&L statement, Cash Flow, and financial projections.
  • Drafting the credit opinion reports with key takeaways on the industry risk, business and management risk, financial risk, collateral comfort, and account conduct of the borrower.
  • Preparation of the sanction letter, along with a few disbursement documents, and dealing with third-party verification vendors.
  • Managing a team of seven CPAs and MBA interns, along with handholding a fresher analyst for learning day-to-day activities.
  • Extending support to my team lead in managing the team and various work allocations during times of requirement.
  • Liaising with internal auditors for any queries and data requirements.
  • Risk management of the allocated portfolio of more than 100 clients for delinquency, deferral, account conduct, stock audit, etc.
  • Visiting clients for a better understanding of the business model to optimize credit decisions.
  • Assisting my team lead in the preparation of various MIS for senior and central authorities on a timely basis.
  • Ensuring TAT achievements while maintaining the credit quality of the portfolio.
  • Ensuring the achievement of sales targets through proper planning and implementation of policies and procedures.

Manager

Khatri Modi and Associates
Delhi
11.2019 - 11.2021
  • Preparation of consolidated financial statements.
  • Led the team at Amar Ujala Publications Limited, RSWM Ltd, Kamdhenu Ispat Limited, and JCO Gas Pipes Limited for conducting statutory audits, internal audits, and balance sheet preparation.
  • Part of the team for the execution of Internal Financial Control and the preparation of the Control and Risk Assessment Report of Amar Ujala Publications Limited.
  • Performed various direct tax and indirect tax-related assignments at Adaan Digital Solutions Pvt. Ltd., M.G. Motors, Sanghi Hire Purchase Ltd., Kamdhenu Ispat Ltd., Etc.
  • Computation of income and preparation of income tax returns for individuals and firms.

Account Executive

DIC India Limited
Noida
11.2018 - 11.2019
  • Preparation of receivables aging, and provision thereof, along with payables aging.
  • Preparation of the weekly cash collection MIS report, with checking of the bank reconciliation statement.
  • Assessment of thecreditworthiness of prospective and existing customers.

Education

Chartered Accountant -

Institute of Chartered Accountants of India
05.2018

Skills

  • Corporate finance
  • Credit risk assessment
  • Commercial banking
  • Working capital management
  • Team management
  • Quick learner
  • Hardworking and passionate
  • Client relationship management
  • Loan reviews
  • Credit evaluations

Certification

CFA Level 1, Within top 10 percentile all over the world

Languages

Hindi
First Language
English
Proficient (C2)
C2

Awards

  • Top gun awards for an outstanding performance for the period of 10/01/22 to 04/30/23.
  • Achieved highest disbursement in fiscal 2023 in Delhi NCR.
  • Appreciation received from business team for contributing and managing maximum disbursement in strict timeline in Q3 fiscal 2024.

Passions

  • Reading about geopolitical affairs
  • Watching sports particularly Tennis, Cricket.
  • Reading about financial markets, recent updates

Timeline

Credit Manager

Kotak Mahindra Bank
12.2021 - Current

Manager

Khatri Modi and Associates
11.2019 - 11.2021

Account Executive

DIC India Limited
11.2018 - 11.2019

Chartered Accountant -

Institute of Chartered Accountants of India

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SANJAY ANAND VERMA