Urja Agrawal
Gurgaon
Summary
Chartered Accountant with experience in credit underwriting, Project Finance, and financial Analysis. Adapt at creating opportunities for clients and managing credit decisions for corporate accounts. Seeking a position to provide competent credit analysis for lending activities, and reduce financial risk to the organization.
Overview
4
4
years of professional experience
Work History
Sr Relationship Manager (Credit Delievery)
NatWest
Gurgaon, India
01.2025 - Current
- Started with Natwest Markets N.V. (Structured Finance), gaining exposure to complex credit structures and large ticket transactions while supporting key deals.
- Performed in depth credit analysis (MGS gradings, LGD) and contributed to AR papers, delivering high quality risk assessment and forward looking insights.
- Managed Portfolio and client requests end-to-end, including covenant monitoring, risk identification (HM/ROCL), and proactive escalation of credit concerns.
- Transition to SOLF, overseeing a diversified leverage finance portfolio, supporting origination, deal execution, and stakeholder engagement alongside contributing to wellbeing initiatives.
Senior Credit Manager
AU Small Finance Bank
Gurgaon
08.2024 - Current
- Assessment of facilities such as Overdraft, Cash Credit, Term Loan, letter of Credit, Bank Guarantee, Purchase invoice discounting and other fund-based and non fund based facilities.
- Approving, Rejecting and Recommending loan proposals in committee meeting post assessment and analysis of financials, banking statements, dedupes and process checks as per the policies.
- Analysis of creditworthiness of Client by analysing the financial statements, CMA Data, Banking statements, personal discussion with the customers and business profile knowledge.
- Built financial models to allocate resources, forecast cash and investments need and make capital budgeting decisions.
Credit Manager - Working Capital (SME)
HDFC Bank
Surat
03.2022 - 12.2023
- Evaluated and approved credit applications based on thorough financial analysis and risk assessment.
- Oversaw credit review process, ensuring timely and accurate assessments.
- Evaluation of proposal for working capital facilities & Financial Statements Analysis, Business profile, Financial Ratios, Bank Statements, Loan Tracks, and all other relevant analysis.
- Review of Existing Portfolio and identifying stress accounts so the appropriate plan of action can be taken into consideration so that there will be no delinquency.
- Helped in preparation of textile industry review.
Education
B.com -
Veer Narmad South Gujarat University
12-2019
Chartered Accountant -
Institute of Chartered Accountant of India
12-2016
12th standard -
Ryan International School
03-2016
Skills
- Risk Management
- Financial Analysis
- Decision Making
- Communication Skills
- Credit evaluation
- Portfolio management
- Underwriting expertise
- Financial modeling
- Client relationship management
- Financial statement evaluation
- Stress account identification
Languages
Hindi
English
Gujarati
Timeline
Sr Relationship Manager (Credit Delievery)
NatWest
01.2025 - Current
Senior Credit Manager
AU Small Finance Bank
08.2024 - Current
Credit Manager - Working Capital (SME)
HDFC Bank
03.2022 - 12.2023
B.com -
Veer Narmad South Gujarat University
Chartered Accountant -
Institute of Chartered Accountant of India
12th standard -
Ryan International School