Vidushi Khanna
Delhi
Summary
Dedicated and results-driven professional with extensive 8+ years of experience in credit management, risk assessment, and operations. Seeking to leverage expertise in financial services to contribute effectively to a dynamic organization.
Overview
9
9
years of professional experience
Work History
Area Credit Manager
Eduvanz Financing Private Limited
12.2021 - 06.2024
- Assessed creditworthiness by analyzing financials, credit history, and policy adherence.
- Partnered with RMs and risk teams to ensure robust credit risk controls.
- Reviewed policy deviations and recommended timely updates to protect portfolio health.
- Ensured TAT compliance while maintaining high underwriting standards.
- Managed lender relationships and resolved complex loan application queries.
- Reduced FEMI tracking from 20% to 5% through targeted process improvements.
- Conducted audit visits to institutions and channel partners for risk validation.
- Led and mentored a team of 8+ underwriters, ensuring quality and productivity.
- Drafted higher education loan policies for domestic and international students.
- Deployed a 'bank statement analyzer' for enhanced banking behavior checks.
- Onboarded a new lending partner and achieved initial disbursement targets.
- Played a key role in LOS testing for smooth system integration.
- Executed BRE-based surrogate policy from UAT to performance tracking.
Credit Manager
HDFC Bank Ltd
06.2018 - 12.2021
- Company Overview: Delhi/NCR
- Conduct credit underwriting for Personal Loans and Consumer Loans.
- Specialize in loans evaluation based on financial strength, industry trends, and customer profiles.
- Conduct PD with clients in high-ticket cases.
- Develop channel management relationships and handle vendor management.
- Prepare credit monitoring reports and analyze portfolio for trigger reviews.
- Supervise day-to-day collection issues and fund management.
- Delhi/NCR
- Led Gross Non-Starters project resolving 98% of assigned cases.
- Contributed to CASA marketing and received HDFC Bank Silver Star Award.
Sr. Operation Executive
Flow E-commerce
05.2015 - 01.2018
- Company Overview: Delhi
- Process orders and manage ERP operations for prompt cross-border supply of electronic products.
- Prepare activity reports, monitor competitor activities, and assist in planning counter strategies.
- Follow up with the production team to ensure material availability as per market demand.
- Ensure statutory, corporate, and legal compliance and conduct feasibility analysis for business decisions.
- Delhi
Education
PGDM - Finance
International School of Business Research (AIMA
Bangalore05-2014
B.Com Professional - Commerce
Guru Nanak Dev University, GNDU
Amritsar04-2011
Skills
- Credit Analysis
- Risk Management
- Financial Analysis
- Relationship Management
- Execution of process flows
- Microsoft Office Suite
- ERP Software (Flexcube, Finnone, Softcell)
- Credit Reporting Tools (Experian, Equifax)
- Salesforce
Personal
• Date of Birth: March 13, 1990
• Marital Status: Married
• Languages: English, Hindi
• Hobbies: Travelling,reading, interacting with people
Timeline
Area Credit Manager
Eduvanz Financing Private Limited
12.2021 - 06.2024
Credit Manager
HDFC Bank Ltd
06.2018 - 12.2021
Sr. Operation Executive
Flow E-commerce
05.2015 - 01.2018
PGDM - Finance
International School of Business Research (AIMA
B.Com Professional - Commerce
Guru Nanak Dev University, GNDU
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