Vinayak Darshan
New Delhi
Summary
Credit Risk Assessment Officer with a proven track record at HDFC Sales Private Limited, excelling in credit evaluation and risk analysis. Adept at calculating loan eligibility and resolving discrepancies, ensuring compliance while enhancing operational efficiency. Strong attention to detail and effective team collaboration drive successful outcomes in financial assessments.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Credit Risk Assessment Officer
HDFC Sales Private Limited
New Delhi
08.2023 - Current
- Evaluated customer profiles to determine creditworthiness and predict EMI repayment capability.
- Assessed financial stability and credit history to mitigate risks in loan disbursement.
- Calculated customer loan eligibility based on income, obligations, and financial credentials.
- Ensured compliance with internal standards and regulatory guidelines throughout assessment process.
- Navigated complex cases by balancing risk and opportunities to achieve business objectives.
- Resolved issues and discrepancies proactively to streamline loan sanctioning process.
Account Executive
Gripple India
Delhi
12.2022 - 06.2023
- Coordinated with top management and sales personnel to ensure efficient dispatch of metal.
- Processed invoices accurately to streamline financial operations.
- Prepared sales, labor, and GST reports for comprehensive financial analysis.
- Utilized Busy software for enhanced operational efficiency.
Account Executive
MI Industries (India) Pvt. Ltd.
Sultanpur
04.2022 - 12.2022
- Conducted inter-company reconciliations and audits ensuring precision in financial data.
- Generated NDS reports for submission to credit rating agencies such as SEBI and CRISIL.
- Employed Microsoft Dynamics NAV for streamlined financial reporting and operations.
- Supervised accounts receivable and payable functions to sustain cash flow integrity.
Account Head
Singh Rohit & Associates
Patna
10.2019 - 12.2021
- Coordinated and tracked financial documentation status for efficient filing.
- Managed client data by entering into database and retrieving as required.
- Performed reconciliation between vendor and customer accounts.
- Prepared debit and credit notes for accurate financial records.
- Utilized MS Office and Google Sheets for streamlined operations.
- Monitored PDC tracking to ensure timely updates.
Education
Bachelor of Commerce - BCom ( Hons.) - Accounting and Finance
Tilkamanjhi University
Bhagalpur01.2014
Skills
- Team collaboration and development
- Credit assessment and underwriting
- Portfolio evaluation
- Attention to detail
- Risk analysis
- Conflict resolution
- Time management
- Loan eligibility calculation
Certification
- Asset Accounting: Acquisitions in SAP S/4HANA
- Strategic Planning Foundations
- Learning SQL Programming
Websites
Languages
- Norwegian, Elementary
- English, Full Professional
- Hindi, Native or Bilingual
Timeline
Credit Risk Assessment Officer
HDFC Sales Private Limited
08.2023 - Current
Account Executive
Gripple India
12.2022 - 06.2023
Account Executive
MI Industries (India) Pvt. Ltd.
04.2022 - 12.2022
Account Head
Singh Rohit & Associates
10.2019 - 12.2021
Bachelor of Commerce - BCom ( Hons.) - Accounting and Finance
Tilkamanjhi University