Summary
Overview
Work History
Education
Skills
Certification
Timeline
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Stuti Sahay

Stuti Sahay

Deputy Manager
Bangalore

Summary

  • Goal-oriented Professional with nearly 8+ years of rich & qualitative experience in Credit Risk Analysis, Credit management, Loan processing and underwriting skills along with general banking concepts.
  • Possess abilities to impact business growth and maximize profits through achievement in credit sanction, loan disbursement within TAT.
  • Insightful knowledge of assessing the creditworthiness of customers, minimizing debt losses, investigating credit applications and maintaining the corporate credit policy.
  • Skilled in analysis & appraisal of credit proposals, study of documents for sanction / rejection of application, verification of documents, sanction & disbursement of credit facilities, delinquency analysis and credit disbursal as per credit policies and post appraisal review.
  • Experience in understand and implement the credit policy and also understand the credit environment in the city.
  • Possess Team-based management style coupled with strong leadership to motivate peak individual performances; possess technical skills of working on LOS, ILPS and RCA'S

Overview

8
8
years of professional experience
5
5
years of post-secondary education
2
2
Certifications

Work History

Credit Manager

Kotak Mahindra Bank Ltd.
Bengaluru
01.2015 - 06.2019
  • Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them
  • Preparing reports about the degree of risk in lending money to clients
  • Conferring with credit associations and references to exchange credit information on clients
  • Evaluating the financial status of clients by producing financial ratios through computer programs
  • Conferring with clients to verify their financial/credit transactions and to resolve their complaints
  • Maintained the link between credit & business for smooth operations & organizational growth
  • Monitored all credit requests and approved and disapproved it after analyzing the documents
  • Reviewed new and existing cases and identify risk areas
  • Conducted research history of clients in order to understand their previous credit transactions
  • Coordinating with the clients in case of any problem in the credit payment
  • Accumulated all information about the customer to understand better
  • Prepare CAM sheet for high value case
  • Have done spot approval with the highest business of 7.5 L in a month and leading one of the large DSA


Credit Manager

Clix Capital India Finance Ltd.
Bengaluru
06.2019 - 11.2020
  • Heading credit underwriting and approval of credit/loan proposals of PL for establishing credit worthiness of the borrower.
  • Analyzing the case to approve or disapprove and examining the customer credit history & intention to pay.
  • Assessing the creditworthiness of borrowers and communicating with customers to understand the case better.
  • Customer visit to gather requirements like financial and other information necessary for underwriting and other inputs for performing quality analysis and thorough due diligence.
    Prepare and maintain Cam Sheet. Interfacing with customers in case of pendency in documentation.
  • Analyze the fraud cases once in a month and implement the policy accordingly.
  • Ensuring error-free scanning of documents to avoid frauds by minimizing the losses.

Deputy Manager

HDFC Ltd
Bengaluru
12.2020 - Current
  • Assess credit worthiness and ability of the customer to repay the loan in future
  • Meeting and interacting with customer. It also includes managing objections of the customers
  • Suggesting optimal solutions to the customer needs
  • Loan documentation-collecting and checking the property related and credit related documents, etc
  • Loan processing and disbursement Process.
  • Managing DSA, Visit DSA offices and explain the process.


Education

B.Tech - Computer Science

BCET, Punjab University
Ludhiana
07.2008 - 06.2012

PGDBRM - Banking And Relationship Management

Manipal University
Bengaluru
12.2014 - 12.2015

Skills

Authorizations understanding

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Certification

2013-2014

Timeline

Deputy Manager

HDFC Ltd
12.2020 - Current

Credit Manager

Clix Capital India Finance Ltd.
06.2019 - 11.2020

Credit Manager

Kotak Mahindra Bank Ltd.
01.2015 - 06.2019

PGDBRM - Banking And Relationship Management

Manipal University
12.2014 - 12.2015

B.Tech - Computer Science

BCET, Punjab University
07.2008 - 06.2012

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Stuti SahayDeputy Manager