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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