Divye Chugh

About Divye Chugh

A versatile business professional with over 13+ years of experience in Portfolio Management, Credit Approval, Client Relationship Management, Risk Assessment, Debt Restructuring, Team Management, Credit Rating, Stress Testing, Sales & Marketing. As a highly competent professional in operational risk management and credit portfolio management, I bring a strong track record of success in ensuring reporting, escalation, and remediation of issues, deficiencies, or regulatory matters to senior leaders, committees, and appropriate business management. WHERE CAN I ADD VALUE With a deep understanding of the credit process from end to end, I have worked in a public sector bank where I handled every aspect of credit. Equipped with the skills needed to lead and develop innovative strategies that increase the bank\'s RAROC and expand its customer base, while maintaining a focus on process excellence and customer satisfaction, I excel in delivering superior results and strengthening client relationships to achieve long-term partnerships. With excellent business knowledge and technical understanding, I have successfully managed teams of Relationship Managers (SME) and Credit Officers and formulated policies to deliver consistent business growth. Having spearheaded a high-performance team of sales and marketing professionals to drive revenue growth and market share in the credit and finance sector, I have worked across a diverse range of domains including Real Estate, Manufacturing, Services, Trading, Educational Trusts & Societies. With my expertise in identifying key accounts, managing portfolios, and achieving targets while maintaining a sharp focus on recoveries and non-performing assets, I am well-equipped to handle any challenge in the operational risk and credit portfolio management space. About MeI am a multi-faceted professional who can strategize, improvise, and enhance effectiveness in all finance and corporate business domains. Do reach me out at: d••••••••@gmail.com | 98••••••08

Experience

1. Domain Consultant

   Tata Consultancy Services

   Feb 2024 — Present · Bengaluru, IN

   Delivered actionable credit risk insights supporting strategic lending decisions for global corporate clientsLed successful transition of corporate credit analysis operations from client-side to TCS deliveryDeveloped standardized risk reporting frameworks for consistent analysis of complex corporate structuresServed as subject matter expert in establishing proof of concept for third-party credit analysis services

Education

• Punjab Technical University

  Bachelor of Technology - BTech, Mechanical Engineering

• St. Stephen's School

  Matriculation