Senior Credit Analyst
India Ratings & Research Pvt Ltd (Fitch group)
Total years of experience :13 years, 0 Months
Assigning and maintaining credit ratings of Large Corporates
Working as Chief Manager in Mid Croporate Branch, responsible for credit Appraisal and monitoring of accounts.
Responsibility as joint Branch Head in Operations and customer service.
Credit Appraisal and sanctionining of Mid Corp and Large Cap proposals
Career Objective
Seeking and accomplishing challenging tasks of finance and investment matters and eventually lead a team of professionals and be a valuable contributor to the organizational success & growth.
Professional Qualification
• Passed CA in Nov 2010 with 60% (First Attempt)
• Passed Company Secretary in Dec 2008 with 57% (First Attempt)
• Passed ICWA - Inter in June 2010 with 68% (First Attempt)
Work Experience
Co. Name Designation Work Profile Working since
Divya and Co.
Practicing CA Firm Project Manager Project Consultancy, E2E business solutions 21st Jan, 2015 - Till date
ICICI Bank Ltd. Manager Financial Planning & Analysis Manager
Credit and Sanctioning, Credit Manager 25th May, 2011 - 20th Jan, 2015
Key Responsibilities
• Corporate Reporting for Projections & forecasting Pnl and Fee income along with future NPAs and Losses in Retail Segment
• Analysis of product wise P&L for performance report to Executive-Director
• Tracking NPA in the Retail segment on monthly basis
• Analyzing and Monitoring variance in NPA and Credit Losses
• Prepared Budget for the Retail Segment for FY-2013, 2014
• Generating Weekly Targets as per budget to Business Heads
• Daily monitoring of Disbursement in various segments for MDs report
• Analyzing Cost of Fund and its working & allocating for various products
• Credit analysis of files and sanctioning with disbursement
• E-E TAT monitoring of Login, Decisioning and sanctioning
• MIS wrt Login, TAT data, Policy checking and analysis for senior management
Training Experience
Three and a Half years articleship under O.P.Maheshwari & Associates and Krishna Kumar Rathi & Associates in various types like Bank audit of Central Bank of India & Union Bank of India, Internal audit of BSNL, Jodhpur, Preparation of PROJECT REPORT for availing factoring for a chemical company, Audit of Financial Statements, ensuring the compliance of accounting standards, provisions of company law etc and Tax Audits.
Seminar
• Paper presentor on INFLATION ACCOUNTING at 14th National Convention of CA Students, Kolkata in 2009.
• Paper selected on LABOUR LAWS at National Conference of CA Students, Siliguri in 2009
Academic Record
• Completed Graduation with Accounting Honors from J.N.V.U. in 2009 with an agg. of 71.24%.
• Passed Senior Secondary & Secondary exams from C.B.S.E. in 2006 & 2004 with 88.40% in each.
Achievements
• Achieved 13th AIR in CWA - INTER, 2010
• Achieved 19th AIR in CA - CPT, 2006
• Achieved 17th AIR in CS - Foundation, 2006
• Passed in First attempt both groups of CA (FINAL) & CS (FINAL) examinations
• Brilliant Performance Award holder in National Accounting Talent Search Exam, 2009
• Secured 1st position in School in Class XII (Commerce)
Co-Curricular
• 1st Runner-up in Quiz Competition by Jodhpur Branch of ICAI in 2010
• Captain of Cricket Team in Jodhpur Sports League by Jodhpur branch of ICAI in 2008
• Participated in District level Basketball Tournament in 2005
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Hobbies
Playing Basketball & Cricket, listening music & planting trees.
Strengths
Energetic, hardworking & leadership skills
Work Experience
Co.Name Designation Work Profile Working since
ICICI Bank Ltd. Manager Credit and Sanctioning 1st July, 2013- Till Date
ICICI Bank Ltd. Manager Financial Planning & Ananlysis 25th May, 2011- 30th June, 2013
Key Responsibilities
• Credit analysis of files and sanctioning with disbursement
• E-E TAT monitoring of Login, Decisioning and sanctioning
• MIS wrt Login, TAT data, Policy checking and analysis for senior management
• Projecting & forecasting Pnl and Fee income alongwith future NPAs and Losses in Retail Segment
• Analysis of product wise P&L for performance report to Executive-Director
• Tracking NPA in the Retail segment on monthly basis
• Analyzing and Monitoring variance in NPA and Credit Losses
• Prepared Budget for the Retail Segment for FY-2013
• Generating Weekly Targets as per budget to Business Heads
• Daily monitoring of Disbursement in various segments for MDs report
• Analyzing Cost of Fund and its working & allocating for various products
Training Experience
Three and a Half years articleship under O.P.Maheshwari & Associates and Krishna Kumar Rathi & Associates in various types like Bank audit of Central Bank of India & Union Bank of India, Internal audit of BSNL, Jodhpur, Preparation of PROJECT REPORT for availing factoring for a chemical company, Audit of Financial Statements, ensuring the compliance of accounting standards, provisions of company law etc and Tax Audits.
Chartered Accoutancy cleared in First attempt with AIR in CPT.
• Passed Senior Secondary & Secondary exams from C.B.S.E. in 2006 & 2004 with 88.40% in each.
Company Secretary exam passed in first attempt with AIR in CS Foundation level.