Ayush R.

About Ayush R.

10 + years of Experience in Banking Dubai/India Seeking new challenges & Seniority where…

Experience

1. Area Credit Manager

   Axis Bank

   Apr 2024 — Present · Bhopal, IN

   Handling 5 Branches with 10 Team members are working under my supervision main products for funding are LAP, Mortgage, Agri,Term loan, Personel Loan etc. Coordinate, collect and compile financial analysis & due diligence material (financial statements, market report, debt collection & history property condition report) Well versed with KYC assessment & analyzing of suspicious on-boarding activity. Assessing credit worthiness and preparation of credit proposal by fitting borrower requirement with existing product suit and credit police, Proven Credit report writing and rating experience with the ability to review and interpret complex data from variety of sources like financial spreading etc. Coordinate with stakeholders belonging to various verticals during the process of sanctioning, Credit delivery, audit and recovery, Maintaining acceptable TAT for various task such as conducting rating and appraisal Generate cash flow analysis and executed any calculation of debt service worked on financial forecasting model. Analyzes information and evaluates result to choose the best solution and solve problem, maintaining a strong accounting and operation control and monitor taxes that applies, Analysis of alerts triggered basis the predefined scenarios and conclude probable cases of regulatory non-compliance / fraud identification / operational error identification.

Education

• Dr. Harisingh Gour University (Sagar University)

  Bachelor of Commerce - BCom

  2007 — 2009

• Delhi Business School

  Postgra

  2009 — 2011

• Delhi School of Business

  Master of Business Administration - MBA

  2009 — 2011