Deepanshu Ranjan

About Deepanshu Ranjan

MBA (Finance)| Emerging Finance Professional | Internship Experience at Punjab National Bank (RAM Department)I have recently completed my MBA in Finance from the Central University of Himachal Pradesh (June 2025), where I built a strong foundation in core and advanced financial domains. My academic journey and practical experiences have equipped me with valuable knowledge and technical skills in:• Financial Reporting & Taxation• Accounting• Bookkeeping• GST & Tax Compliance Basics• Accounts Payable & Receivable• MS- Excel• Financial Accounting & Reporting• Credit Risk & NPA Management• Credit appraisal and underwriting• Credit Analyst• Retail Banking• Mergers & Acquisitions• Financial Valuation & Modeling• Due Diligence• Market Behavior & Risk Assessment• Corporate Governance• Business Analysis• Strategic Financial PlanningAs part of my MBA, I undertook a practical internship with Punjab National Bank (Circle Office - RAM Department), where I gained hands-on experience in credit analysis, document vetting, CIBIL verification, mortgage evaluation, and the complete loan sanctioning process. This opportunity deepened my understanding of priority sector lending, MSME financing, and customer due diligence, while enhancing my professional approach toward risk monitoring and credit control.I am passionate about using data and finance to drive smarter business decisions. My focus now is on building a dynamic career in corporate finance, financial analysis, investment banking, or strategy roles, where I can leverage both my analytical mindset and domain expertise to create long-term value.Let\'s connect if you\'re working in or hiring for roles related to finance, strategy, investment, credit risk and NPA management, or business analysis!

Experience

1. Commercial Banking Officer

   YES BANK

   Sep 2025 — Present · Chandigarh, IN

   What I do every day: Work on Working Capital operations for loan rollovers, disbursements, and credit activities Analyze and punch financials Analyze & upload monthly stock statements of Companies Prepare Credit Appraisal Memorandums (CAMs) Check customer profiles through CIBIL, Amlock & CRILC Meet clients, understand their businesses, and share my inputs Support credit decisions while maintaining compliance and accuracy. Key skills I’ve developed during this journey:Financial Statement Analysis Credit Appraisal & Risk Assessment Working Capital Management Attention to Detail & Accuracy Understanding of Commercial Banking Processes Client Relationship Management Credit Documentation & Compliance Analytical & Critical Thinking Team Collaboration & Professional Communication Adaptability to a fast-paced banking environment What this role is teaching me: How to read a company beyond numbers The importance of attention to detail in credit How relationships matter as much as ratios How commercial banking decisions impact real businesses How to think analytically, responsibly, and professionally.

Education

• Central University of Himachal Pradesh

  Master of Business Administration - MBA, Accounting and Finance

• Gyan Bharti Sr Sec Sch Raniganj, Tekari, Gaya, Bihar

  10+2, Science

• KENDRIYA VIDYALAYA NO 1

  Matriculation, Science

• Magadh University, Bodh Gaya

  Bachelor of Science - BS, Physics