Kanika Oberoi

Experience

1. Credit Analyst

   Standard Chartered

   Jan 2012 — Present · Gurugram, IN

   Credit analysis & financial managementEmbedding principles of operational risk managment and assurance framework in SME value stream• Support Relationship Managers in handling a group of relationships to meet revenue and profit targets for these relationship• Responsible for the portfolio quality and risk including zero tolerance, KYC / RCAF • Handle deals, together with the RM, from concept to completion with particular emphasis on transaction structuring and documentation• To maintain close rapport with clients and provide quality service• Prepare high Quality Business Credit Applications with minimum subsequent rework and time. • Interface with other operational units within Service Delivery, Product Partners and Credit Approvers• Prompt recognition and reporting of deteriorating credit risks in his/her portfolio and ensuring that necessary steps are taken to minimize loss to the Bank• Day-to-day monitoring of MIS and control of the relationships i.e excesses, deferrals, insurance, past dues, overdue reviews etc.• Suspicious transaction monitoring and reporting.• Client servicing through the Bank’s “Outserve” mode with the aim of Customer delight.• Facilitate Cross Sell i.e. Insurance, FX and CA, Salary Accounts, Investments, Cash Management and Term Deposits.• Lead flow for Cross Border Trade

Education

• The Institute of Chartered Accountants of India

  Chartered Accountant

• MBA Finance

  Master of Business Administration (MBA)- BITS, Finance and Financial Management Services

  2007 — 2009

• Delhi University

  B Com Hons, Finance

  2004 — 2007

Skills

• Operational Risk Management
• Operational Risk
• Financial Risk
• Risk Management
• Credit Analysis