Shukrullah Ahmadi
Pune
Summary
- knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
- To minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability.
- Analyzing lending activities according to current regulations, standards and market conditions. Offering 2 years of financial experience in the banking industry.
- Deep financial analysis, audit support, account reconciliations and collections.monitoring controls and completing closings. Highly detail-oriented, proactive and diligent.
- Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Credit Manager
HDFC Bank
Pune
01.2024 - Current
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information of business loan applicants.
- Conduct in-depth financial analysis, including reviewing financial statements, Banking and various Multi Bureaus
- Evaluate the risks associated with each loan application and make informed lending decisions.
- Collaborate with the sales team to structure loan deals that align with the bank's lending policies and esure that all loan applications adhere to internal policies and regulatory guidelines.
- Communicate with customers to gather additional information, address inquiries, and any other information to make informed decision
- Monitor the performance of existing business loan portfolios and take action in case of delinquencies.
- Prepare reports on loan applications, approvals, and delinquencies for management and regulatory purposes.
- Work closely with other departments, such as RIC, Working Capital, Sales, Policy, legal, and compliance, to streamline the loan approval process.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- Coordinated approval or rejection of lines of credit or commercial, real estate or personal loans.
- Evaluated business practices and loan procedures to assess risk and develop mitigation plans to protect business operations and assets.
- Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
- Maintained complete records of all customer accounts including contact information, payment history, notes on collection efforts and related documents.
Finance Officer
Nuxces & US Infinity pvt
Mysore
10.2019 - 03.2024
- Conducted financial analysis to identify potential areas of improvement and cost savings.
- Managed accounts receivable and payable processes while ensuring accurate recording of transactions in the general ledger system.
- Analyzed cash flow projections to assess liquidity needs and develop funding plans accordingly.
- Evaluated existing internal controls to ensure their effectiveness in safeguarding assets from loss or misappropriation.
- Maintained an up-to-date knowledge of industry trends through research activities.
- Reconciled bank accounts on a regular basis to ensure accuracy of records.
Working Capital Manager
HDFC Bank
Pune
05.2022 - 12.2023
- Assessing the MSMEs for working capital requirement
- Checking their financials and eligibility by reviewing balance sheet, statement of cashflow and profit and loss account, thereby recommending for funding or rejecting the proposal
- Working on the proposals of high-net-worth clients with portfolio of 100 Millions and above
- Financial analysis of companies in my portfolio which include 50 to 100 firms
- Tracking company’s performance and growth in my portfolio on quarterly and yearly basis and giving recommendation for further enhancement or reducing the current limit
- Meeting with branch manager on frequent basis, discussing leads Generated through branches and leads converted for the branch , had more than branches in my portfolio
- Visiting potential customers with working capital requirement of 1cr and above, and preparing client visit report to credit team
- Maintaining close relationship with clients, renewing their facility on yearly basis, tracking the EMI payment and solving any transactional issue if they are facing
- Review the performances of the branch and providing reports to credit head
- Checking the financials , bank statement of clients for churn/bounces/interest servicing and the cash flow in the same account
- Depending upon severity of each case conducting calls and email communication with Brunch managers and customer for interest serving
Financial Analyst
Beta Insights Business Advisory
Bangalore
04.2021 - 06.2021
- 1. Conduct industry research and segment analysis to build a better picture of global industrial benchmarks
- Create a financial model for a private Indian company, specific to the Tire and general services industry
- Analyzed trends in financial performance to identify areas for improvement.
- Prepared detailed reports on financial status of clients' investments.
- Conducted research into industry-specific market conditions and competitor analysis.
- Evaluated complex financial information from multiple sources to make sound recommendations.
- Carryout evaluation to understand the position of the company in the industry, based on the forecasted performance and logical assumption
- Monitored external environment factors impacting the organization's finances such as interest rates, exchange rates.
Education
International Business Economics - International Economics And Finance
Fergusson College Pune
Pune, India06-2022
MBA - Finance
Symbiosis Institute of Management Studies
Pune , India 05-2022
BBA - Finance
Mysore University
Mysore11-2019
Skills
An MBA (Finance) Graduate from Symbiosis international University currently working with HDFC bank as Credit Manager and Risk analyst in bunnies loan Department one of the Largest and Top Bank in India
My aim is to work effectively and learn from the experience
within the organization where I can utilize my knowledge and skills to contribute effectively to the success of the organization that gives me a platform to learn and grow simultaneously
Certification
Long term Certifications :
- 1 Yr Diploma in International relationship
- 1 Yr Diploma In HRM
- 1 Yr Diploma in Accounting Finance Tally RRP9
Short Term Certifications :
1.Corporate Finance II: Financing Investments and Managing Risk , University of Illinois
2. Accounting and Finance for IT professionals , Indian School of Business
3. Financial Accounting: Foundations ,University of Illinois
4. Excel Fundamentals for Data Analysis, Macquarie University
5. R Programming Johns Hopkins University
6. Business intelligence and data analytics: Generate insights
Macquarie University, Sydney
7. Behavioral Finance , Duke University
Introduction to Data Analysis Using Excel Rice University
8. Introduction to Business Analysis Using Spreadsheets: Basics
9. Leadership and Emotional Intelligence Indian School of Business
10. Introduction to Data Analysis Using Google Spreadsheet
11. Financial Markets , Yale University
12. Excel Skills for Business: Essentials Macquarie University, Sydney
13. How to Design a Successful Business Model ,Delft University of Technology
14. Big Data Strategies to Transform Your Business
Delft University of Technology
15. Business Model Testing, Delft University of Technology
16. Financial Analyst course , Udemy platform
17. Leadership and Emotional Intelligence, Indian School of Business
18. Retail banking training, Udemy
19. Project management , Udemy
20-Entrepreneurship , Sawyam
Affiliations
Extra Curricular Activities
Worked as President and Vice President : For Federation of International Students Association. Mysore. India (FISA-M for two years leaded team of students from 48 countries
Accomplishments
Gold star Awards From HDFC bank During Financial March 23 appraisal
Languages
Persian
First Language
English
Advanced (C1)
C1
Hindi
Advanced (C1)
C1
Pashto
Proficient (C2)
C2
Timeline
Credit Manager
HDFC Bank
01.2024 - Current
Working Capital Manager
HDFC Bank
05.2022 - 12.2023
Financial Analyst
Beta Insights Business Advisory
04.2021 - 06.2021
Finance Officer
Nuxces & US Infinity pvt
10.2019 - 03.2024
International Business Economics - International Economics And Finance
Fergusson College Pune
MBA - Finance
Symbiosis Institute of Management Studies
BBA - Finance
Mysore University
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