SURABHI NAGWEKAR
Mumbai
Summary
- A strong analytical and results oriented banking professional with over 7 years of experience and an in-depth understanding of credit risk mitigation.
- Proven ability to work alongside a wide variety of clients and a thirst for knowledge and developing new skill sets that make me a valuable asset to any organization.
Overview
7
7
years of professional experience
Work History
Officer-Credit Risk Analyst,
Citicorp Services India Pvt Ltd
Mumbai
07.2022 - Current
- Assess the credit and financial strength of Large Corporate clients in India by performing fundamental credit analysis of counterparties by using both qualitative and quantitative factors.
- Complete Credit Analysis Memos and Final Obligor Risk Ratings of counterparties by carrying out assessment and due diligence of the client and its industry to extend appropriate credit within Citi's risk appetite.
- Continuous monitoring of the covered portfolio including following industry trends, impacts to key relationships and escalation of potential credit issues to Team Leads, Risk and Banking partners.
- Majorly appraised Large Corporate clients engaged in Pharma, FMCG, Automobile, Cement, Healthcare, etc sectors and assessment of products such as short term loan, overdraft, trade finance, term loans, etc
Senior Credit Manager,
ICICI Bank
Mumbai
12.2021 - 07.2022
- Appraisal and underwriting of SME credit proposals based on in-depth financial analysis with an overview of industry along with identification of key risks against their mitigants
- Close monitoring of the portfolio to identify early warning signals so as to minimize NPA's and assess stressed clients on a monthly basis with senior management along with personal visits to client's business locations to ascertain their credit worthiness.
- Majorly appraised clients engaged in finance, FMCG, precious metals, engineering products, etc and assessment of working capital products such as cash credit/overdraft/working capital demand loan/gold metal loan/bank guarantee/channel finance/vendor finance/term loans, etc with a ticket size upto Rs 40 Crs.
Senior Credit Risk Analyst,
Aditya Birla Capital
Mumbai
11.2017 - 11.2021
- Initial screening and risk assessment of client and anchor proposals with required due diligence so as to evaluate the credit worthiness of loan applications
- Underwriting and recommending proposals to National Risk Manager and Credit Committee for decision making
- Monitoring client and portfolio wise exposure by studying their financials, tracking post disbursement covenants as well as Anchor lifting data to identify Early Warning Signals of stress to minimize NPA's
- Majorly involved in Channel & Vendor Finance and LOC underwriting for clients engaged in the Textile, Metal, Automobile, Paper, IT industry and E-Commerce industry with a turnover ranging from Rs 25 to 1500 crores and an average ticket size of Rs. 25 Lakhs to Rs 45 Crs.
Finance & Compliance Manager,
AddedSport India Pvt Ltd
Mumbai
11.2016 - 10.2017
- Maintenance of accounts, financials preparation of India entity as well as Singapore Hold Co., handled statutory audit, prepared group budget, monthly MIS for management review
- Preparation of comprehensive cost revenue analysis for conducting tours, consultant wise profitability, quarter wise growth analysis for management decision making.
Education
Chartered Accountant -
The Institute Of Chartered Accountants Of India
05.2016
Bachelor of Commerce -
H. R. College Of Commerce & Economics
04.2014
Skills
- MS Office
- Credit Risk Assessment
- Quick Learner
- Team Player
- Effective Communicator
- Good Orator & Writer
- Leadership Traits
Awards & Achievements
- ABFL Young Achiever Award (2021)
- UDAAN award for Results with Discipline (2020)
- UDAAN award for Focus and Accountability (2019)
- UDAAN award for Innovation, Enterpreneurship and Openness (2019)
- Best Performer Award at Early Warning Signals SME Training (2018)
Personal Information
- Nationality: Indian
- Marital Status: Married
- Birthday: 13/01/1993
Affiliations
- Travel & Food
- Watching Movies & Series
- Dancing & Music
- Reading Novels
Languages
Marathi
First Language
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Timeline
Officer-Credit Risk Analyst,
Citicorp Services India Pvt Ltd
07.2022 - Current
Senior Credit Manager,
ICICI Bank
12.2021 - 07.2022
Senior Credit Risk Analyst,
Aditya Birla Capital
11.2017 - 11.2021
Finance & Compliance Manager,
AddedSport India Pvt Ltd
11.2016 - 10.2017
Chartered Accountant -
The Institute Of Chartered Accountants Of India
Bachelor of Commerce -
H. R. College Of Commerce & Economics
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