Urvashi Dhiman
Senior Manager at HDFC Bank
- Role
- Manager at HDFC Bank
- Location
- Delhi, IN
- LinkedIn followers
- 500 followers
About Urvashi Dhiman
Experienced Credit Manager with a demonstrated history of working in the banking industry. Skilled in Underwriting, Financial Analysis, and Finance. Pursued Master of Business Administration (MBA) focused in Marketing and Finance from ICFAI Business School, Gurgaon.
Experience
Manager
Aug 2016 — Present · New Delhi, IN
HDFC Bank (1 August 2016 on wards)Responsibilities- Access credit worthiness of clients based on financials, business feasibility, existing customer relationship, analysis bank statement, Credit report, feedback from market etc- Review credit proposals (CAMs/ Interim CAMS) submitted by business on assigned set of accounts and assess the risk involved comprehensively- To convey a clear opinion regarding the feasibility of the proposed transaction/ proposed facilities, from risk point of view, covering business model, industry risk, structure, financial risk- Maintaining Complete / accurate CAM\'s / Coverage and Intensity of Diligence & Adherence to Credit Policy and as per regulatory guidelines- Doing business visit for detailed analysis of business environment in which a company is operating and identifying associated risk- Coordinate and ensure that the post approval implementation and legal documentation is in accordance with the conditions of sanction with relationship managers- Ongoing monitoring of accounts including tracking developments in the industry and the account to identify stresses early and work with business and risk teams in devising appropriate mitigation strategies wherever required. Advanced detection before SMA / Rating downgrade / default- To identify and closely monitor accounts which are in stress, in order to devise and implement account strategy- Maintaining the defined credit and End to End TATs so as to better service both internal as well as external customers- To interact with the relationship managers pro-actively to assess the main risks and propose mitigants, at various stages of credit process-Suggesting policy changes or developments, Engaging with Credit Administration ( operations team ), Legal, Audit, Compliance, IT and other stakeholders as appropriate for all credit processes.
Education
ST. THOMAS INDIRAPURAM
HSC & SSC
2007 — 2011
Guru Gobind Singh Indraprastha University
Bachelor of Business Administration (BBA)
2011 — 2014
ICFAI Business School, Gurgaon
Master of Business Administration (MBA)
2014 — 2016
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