Summary
Overview
Work History
Education
Skills
Extracurricular Activities
Hobbies and Interests
Personal Information
Personality Traits
Accomplishments
LANGUAGE
Timeline
Generic

SHIVANI MALIK

GHAZIABAD

Summary

  • To work in an organization that provides me with ample opportunities to enhance my skills and knowledge, along with contributing to the growth of the organization. Looking for opportunities to incorporate my skills and training to help the company grow in a comprehensive, challenging environment where I can stretch my potential and capabilities to the fullest. In turn, I am always open to absorbing new ideas, perceptions, and skills that I may require.

Overview

7
7
years of professional experience

Work History

Deputy Manager

HDFC BANK LTD
11.2021 - Current
  • Worked as Assistant Manager overseeing unsecured loan portfolios in the BL Department.
  • Underwriting of unsecured business loans.
  • Preliminary credit checks of applications are conducted as per the policy, and decisions are made within a TAT limit.
  • Conduct telephonic PD with customers and make decisions on cases, within the limits of my authority.
  • Evaluating the creditworthiness of potential customers by analyzing the KYC, financials, banking, bureaus, and other parameters.
  • Prepare a business loan CAM for every loan application.
  • Prepare a MIS of your own decision on cases.
  • Responsible for the allocation of file load on a daily basis.
  • Working on delinquency data of collection.
  • Managing portfolio, and early delinquency. Mentoring new joiners and freshers.

CREDIT PROCESS ASSOCIATE

AXIS BANK LTD
07.2018 - 10.2021
  • WORKING AS CREDIT PROCESS ASSOCIATE IN SBB DEPARTMENT AT AXIS BANK FOR BUSINESS LOANS &WORKING CAPITAL AND GATHERED KNOWLEDGE OF CREDIT PROCEDURES AND WORKING OF BANKING AUTHORITIES REGARDING UNSECURED BUSINESS LOANS AS WELL AS SECURED LOANS PROCESSING
  • MAKING SURE THAT THE CLIENT'S DOCUMENTS LOGGED IN WITH CREDIT ARE COMPLYING THE POLICY REQUIREMENTS
  • EVALUATING CLIENT'S CREDIT DATA AND FINANCIAL STATEMENTS
  • EVALUATING THE ELIGIBILITY OF THE CLIENT WITH RESPECT TO THE PRODUCT APPLIED FOR GIVING DUE CONSIDERATION TO FINANCIAL RATIOS, BANKING AND PREVIOUS TRACK
  • EVALUATING LEGAL & VALUATIONS PROCESSING OF THE MORTGAGE PROPERTY WHICH IS ALONG WITH SECURED FILE PROCESS
  • WORKING CAPITAL FINANCING IS DONE BY VARIOUS PRODUCT SUCH AS CASH CREDIT, BANK OVERDRAFT, PURCHASE OF BILLS/DISCOUNT OF BILLS, LETTER OF CREDIT, CARD POWER, CGTMSE ETC
  • I AM EVALUATING UNDERWRITING OF A VARIOUS PRODUCT AND CONDUCT TELE PD TO THE CUSTOMER

Education

M.B.A - BANKING AND FINANCE

SYMBIOSIS UNIVERSITY
PUNE
09-2024

Master of Arts - Theology

MATA SUNDARI COLLEGE
Delhi University
01.2018

Bachelor of Arts - HUMANITIES

KAMALA NEHRU COLLEGE
Delhi University
01.2015

High School Diploma -

CBSE
12th
01.2012

High School Diploma -

CBSE
10th
01.2010

Skills

  • Quantitative Financial Evaluation
  • Customer Service Optimization
  • Loan Underwriting Expertise
  • Strategic Issue Identification
  • Effective Team Leadership
  • Effective Task Delegation
  • Long-Term Planning
  • Client Support

Extracurricular Activities

In my free time, I like to create new things, take pictures of nature and animals, and I am ready to travel to accomplish the responsibilities assigned. I am highly active on social media.

Listening to music, reading the newspaper, and having an interest in gaining knowledge, I work well in a team-based environment

Well-organized, which demonstrates self-motivation, creativity, and initiative to achieve personal and organizational goals, and fast learning

Hobbies and Interests

  • Watching TV
  • Listening to music
  • Explore places
  • Shopping
  • Painting at home

Personal Information

  • Date of Birth: 05/19/95
  • Gender: Female
  • Nationality: Indian
  • Marital Status: married

Personality Traits

  • Conscientiousness is a nature that is perfect and thorough
  • Generosity of spirit
  • Quick learner with the ability to grasp new things, energetic, and self-motivated ability
  • Independently create new ideas, and be open to my work
  • Being honest with my work

Accomplishments

  • Silver Star Winner Holder, Twice in HDFC Bank
  • Got a scholarship in the college function

LANGUAGE

  • Hindi
  • English

Timeline

Deputy Manager

HDFC BANK LTD
11.2021 - Current

CREDIT PROCESS ASSOCIATE

AXIS BANK LTD
07.2018 - 10.2021

M.B.A - BANKING AND FINANCE

SYMBIOSIS UNIVERSITY

Master of Arts - Theology

MATA SUNDARI COLLEGE

Bachelor of Arts - HUMANITIES

KAMALA NEHRU COLLEGE

High School Diploma -

CBSE

High School Diploma -

CBSE
SHIVANI MALIK