Shivani Rajendra Bhagwat
Nashik
Summary
Credit manager with over 2 years of experience in corporate finance and financial analysis. Proven ability to enhance financial processes and improve communication within teams. Seeking opportunities to leverage skills in a dynamic organization focused on mutual growth and success.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Credit Manager – Business Loan Department
HDFC Bank Ltd
07.2023 - Current
- Conducted Comprehensive risk and credit analyses for over 1200 plus Retail and Large Ticket business Loan applications, ensuring accurate assessment of financial health, repayment capacity, and potential risk factors.
- Led credit underwriting for unsecured loan products, balancing risk mitigation with business growth strategies.
- Managed end to end credit evaluation for SME clients, analyzing business models, cash flows, and financial statements to assess creditworthiness and mitigate risk.
- Proactively managed delinquent cases by identifying and assessing high risk accounts, collaborating with the collections team to design and execute effective recovery strategies, and ensuring timely resolutions to minimize credit risk.
- Experienced in detecting fraud during underwriting through financial analysis and document verification.
- Delivered in-depth training sessions on policy and process guidelines to direct selling agents (DSAs) and branch staff, ensuring compliance and uniform understanding across teams.
- Collaborated cross-functionally to evaluate client financials, negotiate terms, and resolve credit-related issues, ensuring a streamlined process.
- Assessed and sanctioned drop line overdraft facilities for SME and corporate clients, ensuring compliance with internal credit policy and risk appetite.
Finance Intern
CA Firm
Nashik
05.2022 - 07.2022
- Have worked on GST Return filing.
- Worked on FPC Formation.
- Have done Internal Audit and FPC Audit.
- Have worked on Income Tax Return filing.
- Name: D. S. Sonawane and Associate (Chartered Accountant)
Account cum Audit Assistant
CA Firm
Nashik
04.2019 - 06.2019
- Have done Internal Audit at Express Inn Hotel, Nashik.
- Have also worked on GST Portal and ITR Return filing.
- Maintain Good Communication with Clients and Colleagues.
- Name: M/S. Sunil B Ghule and Associates (Chartered Accountants)
Education
MBA -
Indira Institute of Management, Pune
01.2023
Diploma in Taxation and Law -
N.B.T. Law College, Nashik
01.2021
Graduation (B.Com) -
B.Y.K College of Commerce, Nashik
01.2020
H.S.C -
B.Y.K College of Commerce, Nashik
01.2017
S.S.C -
K. N. Kela High School, Nashik
01.2015
Skills
- Risk assessment
- Fraud detection
- Financial statement analysis
- Customer relationship management
- Credit underwriting
- Collections management
- Portfolio management
- Investigations
- Policy compliance
- Team collaboration
Certification
- LinkedIn certification in finance foundations
- Participated in the Proschool Financial Modeling Certification workshop
Languages
English, Hindi and Marathi.
Strengths
- Adaptability
- Self-Disciplined
- Team Leader
- Persistent
- Good Communication Skills
Personal Details
Current address: Flat No. 12, Rushi Prasad Apt, Chandshi, Nashik – 422003
Date of birth: 05/05/2000
Marital status: single
Preferred City: Pune, Mumbai, Nashik
Timeline
Credit Manager – Business Loan Department
HDFC Bank Ltd
07.2023 - Current
Finance Intern
CA Firm
05.2022 - 07.2022
Account cum Audit Assistant
CA Firm
04.2019 - 06.2019
MBA -
Indira Institute of Management, Pune
Diploma in Taxation and Law -
N.B.T. Law College, Nashik
Graduation (B.Com) -
B.Y.K College of Commerce, Nashik
H.S.C -
B.Y.K College of Commerce, Nashik
S.S.C -
K. N. Kela High School, Nashik
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