Sakshi Goyal

About Sakshi Goyal

I am Chartered Accountant graduate with a passion for finance and risk management, I am currently leveraging my skills and knowledge as a Risk Analyst at ICICI Bank. With a strong foundation in financial analysis, accounting, and taxation, I have been able to develop a comprehensive understanding of risk management and credit analysis.At ICICI Bank, I work in the Credit Risk team to analyze, evaluate and monitor the creditworthiness of clients and mitigate potential risks. Through the use of data analytics and financial modelling, I help to develop effective risk management strategies to minimize potential losses and maintain a healthy loan portfolio.I am passionate about staying up-to-date with the latest developments and trends in the financial industry, and I am committed to providing high-quality insights to drive business decisions. My goal is to continue growing as a professional, expanding my skills and knowledge to become a well-rounded financial expert and a valuable asset to any organization.

Experience

1. Credit Manager

   ICICI Bank

   Apr 2022 — Present · Mumbai, IN

   End-to-End Credit Analysis of the client involving but not limited to studying Financial Statements, Business models, financial ratios, management risk, peer comparison, industry scenarios and KPIs- Have exposure to Credit and Risk analysis across different industries with a major focus on Manufacturing and Service Industries- Monitor loan utilisation, repayment capacity, adherence to policy guidelines, loan covenants, and other critical process and compliance checks- Site visits and customer discussions to assess the client’s requirements. Also, ascertaining and validating the revenue streams, and expenditure of the business and understanding the vision and plans to overcome the bottlenecks, if any- Having good Credit Knowledge and experience in assessing Vendor Build Discounting and Channel Financing( Supply Chain Finance )- MIS coordination- Scrutinizing the Legal, Valuation Report and Title Search Report of collateral toensure the clear title and right to mortgage- To identify data gaps and follow up with the Business team upto closure and helpdeal with structuring to ensure faster TAT.

Education

• Veer Narmad South Gujarat University, Surat

  Bachelor of Commerce - BCom, Accounting and Finance

• The Institute of Chartered Accountants of India

  CHARTERED ACCOUNTANT, Tax Law/Taxation

  2015 — 2022