Financial Analysis/ Credit Appraisal / Risk Management/ Process Management Resumes in India-Maharashtra-Mumbai/Bandra: Nivedita

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Name:

Nivedita

Location:

India-Maharashtra-Mumbai/Bandra

Experience:

Willing to Relocate:

Willing to Travel:

Most Recent Job Title:

Financial Analysis/ Credit Appraisal / Risk Management/ Process Management

Personal Website:

Objective:

 To achieve excellence and mastery over the various aspects of corporate finance
 To be an active, relevant, contributing, learning player of a growing team within an organisation that defines its own place in the global scenario.

Resume Text:

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monitoring and handling recovery in case of payment default.
 Possess excellent interpersonal, communication and organizational skills with demonstrated abilities in team management.

ORGANISATIONAL EXPERIENCE

Since Sep’05 with ICICI Bank Ltd. as Assistant Manager - Credit & Risk Management Group
Product Handled: Commodity based financing, Kiosk Financing, Rural Housing Loans.

Key Responsibilities Handled

Credit Appraisal / Loan Administration
 Evaluating loan proposals and forwarding the positive profiles after inspecting the preliminary documents submitted for scrutiny.
 Analysing financial proposals from credit & risk perspective.
 Maintaining disbursement TAT to ensure the growth of business, involved in delinquency management and reconciliation of disbursement a/c.

Process Management/ MIS
 Analyzing various processes and recommending process changes to initiate cost savings, optimize resources and enhance operational efficiency.
 Controlling process parameters to get optimum output, attain reduction in manual errors thereby avoiding customer issues and future loss to the company
 Supervising the preparation of MIS reports to provide feedback to top management on performance, viz. customer accounts, loan portfolio etc.
 Getting SOX audit conducted for the concerned products.
 Preparing process flow for various processes in different products.

Customer Relationship Management
 Managing customer centric banking operations & ensuring customer satisfaction by achieving delivery & service quality norms.

Team Management
 Training, developing and mentoring subordinates and team members on products, policies and process of the bank.
 Assigning tasks to the team members and ensuring completion of tasks in budgeted parameters.

Operations
 Establishing processes, initiating operations and stabilising operations after successful commencement of operations within stipulated time.
 Ensuring compliance with the statutory requirements laid down under different acts governing banking regulations.

Highlights
 Spearheading a team of 6 people and conducting all credit operations under the product Commodity based financing.
 Actively involved in preparing MIS report on All India Basis for the product Commodity based financing for All India.
 Exposure of working in Finacle software for processing various operations related to the products.
 Actively participated in assessing the non performing assets for the product commodity based financing and monthly reporting of the same.
 Steering the activities of entire India as part of the Central team for the product Commodity based financing.
 Involved in managing the entire process including sanction, disbursement and repayment of loans for Commodity based financing.
 Played a key role in conducting the SOX audit for Commodity based financing on regular basis.

Significant Contributions
 Successfully contributed in the development of online system for the product commodity based financing.
 Contributed in successful decentralization, Co-ordination with the Legal team, the SOX audit team and steamlining of the process flow of the product commodity based financing.

ACADEMIA

 Passing of Chartered Accountancy from The Institute of Chartered Accountants of India from the May 2005 batch.
 B.Com from ICL College, Vashi, Navi - Mumbai from Mumbai University, 1997-98, Secured 56%.
 12th from ICL College, Vashi, Navi - Mumbai, 1994-1995, Secured 74%.
 10th from Fr. Agnel Multipurpose School, 1992-1993. Secured 61%.

PREVIOUS WORK EXPERIENCE

Organisation
 M/s Mayur Desai & Ass. (December 2003 – March 2004)
 M/s Reshamwala D. M. (February 2000 – March 2002)
 M/s Sushil Budhia & Ass. (July 1998 – December 1999)

Responsibilities
 Managed audits of Companies
 Single handedly conducted the audit of stock brokers firm in Bombay Exchange
 Team leader for audit. One of them being a reputed sports club of Mumbai (The Cricket Club of India)
 Providing solutions to clients on issues relating to tax planning

DATE OF BIRTH : 10th Aug 1978

MARITAL STATUS

Married