Finance aspirant having exposure in banking field. Skilled at working closely in the team environment with a flexible approach to work; leadership, sincere, punctuality, creative, problem solving, supportive with result- oriented attitude.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Deputy Manager
HDFC LTD/ HDFC BANK LTD
Bengaluru
08.2022 - Current
Credit appraisal and underwriting of salaried individuals by evaluating credit history and assessing the risk of loan default.
Pre- and post-loan operation activities with client engagement.
Internal co-ordinations - Technical, Legal, Accounts, Retention, and Recovery team.
Interpretation of Credit Bureau Report of customers' Repayment Track Records, Loan utilization, Repayment capacity for assessing income.
Calculate and review debt-to-income ratio and loan-to-value ratio for the sanctioning process.
KYC and AML due diligence to mitigate risk: CIP, CDD, EDD, etc.
Monitoring and doing consistent sample checks on verifications, validation, and vendor processes within TAT.
Post-sanction operation activities – setting of special terms and conditions according to customers' profile risk (credit, technical, and legal) and managing various sales channels.
Handle online client requests using Salesforce.
Track online and manual loan payments: EMI, fees, charges, interest, penalties, etc.
Final level document verification for fraud prevention, data correction, and information completeness: income, KYC, property, and internal conditional documents.
Managing the revised amortization schedule—post part payment, change in ROI, Tenure, NPA, etc.
Associate - Part Time
Round The Clock Crane Service
Bengaluru
03.2022 - 06.2022
Manage & Record day-to-day financial transactions.
Collaborated with team members to ensure timely completion of tasks within specified deadlines.
Business Trainee
ICICI PRUDENTIAL LIFE INSURANCE LTD
Bengaluru
08.2020 - 03.2022
Financial Service Facilitator
Educating and training corporate teams
Cross-selling financial products in Bank
Financial & and medical underwriting
Preventing unauthorized/fraudulent transactions.
Exercising due diligence and document verification
Management Trainee - INTERNSHIP
SIMPLUS - FINANCIAL CONSULTANCY
Bengaluru
04.2019 - 05.2019
Tax consulting
Portfolio management and Investment advisory
Education
Post Graduate Diploma in Management - FINANCE & MARKETING
SDMIMD
Mysore
03.2020
Bachelors of Commerce -
Bhandarkars Arts & Science College
05.2018
12TH -
RN Shetty PU College
05-2015
10TH -
St. Pius X English Medium School
05.2013
Skills
Microsoft Office
Investigative & innovative thinking
Quick learner with team handling
Logical thinker with problem solving
Ability to work both independent and along with team
Manage customers escalations
Languages
English
Kannada
Hindi
Certification
Tally ERP 9.0 (GST)
NISM-Series-V-A: Mutual Fund Distributors Certification Examination
KYC & AML norms ver 3 - HDFC BANK
JP Morgan Chase & Co. Excel Skills Completion Certificate.
Introduction to JIRA- Skillup
BE10X- AI TOOLS WORKSHOP
Code and debug, Analysis data & AI Presentation
HOBBIES
Trekking
Gardening
Watering plants
Solving Sudoku
Playing chess
Stock Market Investor
Academic Projects - SDMIMD
Stock Valuation project on Sun pharma Co.Ltd as a part of
Investment Analysis and Portfolio Management
Project on Corporate Social Responsibility (CSR) with Rudseti, Mysuru
Project appraisal- Estimating project cash flow, calculation of
WACC,cost of capital, capital budgeting, risk management etc
Research on 'Competitive study on savings pattern of IT and Non-
IT employees' as part of Behavioral Finance
Project on "Future and Options" of Indian listed companies using various
financial tools
Timeline
Deputy Manager
HDFC LTD/ HDFC BANK LTD
08.2022 - Current
Associate - Part Time
Round The Clock Crane Service
03.2022 - 06.2022
Business Trainee
ICICI PRUDENTIAL LIFE INSURANCE LTD
08.2020 - 03.2022
Management Trainee - INTERNSHIP
SIMPLUS - FINANCIAL CONSULTANCY
04.2019 - 05.2019
Post Graduate Diploma in Management - FINANCE & MARKETING
SDMIMD
Bachelors of Commerce -
Bhandarkars Arts & Science College
12TH -
RN Shetty PU College
10TH -
St. Pius X English Medium School
Tally ERP 9.0 (GST)
NISM-Series-V-A: Mutual Fund Distributors Certification Examination
KYC & AML norms ver 3 - HDFC BANK
JP Morgan Chase & Co. Excel Skills Completion Certificate.
Introduction to JIRA- Skillup
BE10X- AI TOOLS WORKSHOP
Code and debug, Analysis data & AI Presentation
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