Madhurima D.
Credit and Risk Management || Cardiff Metropolitan University || SRM University
- Role
- Credit Risk Analyst at Bizfunds
- Location
- Gurugram, IN
- LinkedIn followers
- 500 followers
About Madhurima D.
Dedicated financial professional with a track record in credit analysis and SME loan underwriting. With a broad background in analyzing financial statuses, evaluating credit risks, and establishing the viability of unsecured loans, I have expertise in managing the entire credit and backend process at a macro level. Portfolio management for SME/MSME/Corporate clients, comprising engagement with legal, business development, and finance departments, is also part of my experience.Efficiently handled the portfolio of clients, demonstrating a good understanding of risk assessment and strategic portfolio management. Client connection, regulatory compliance, and cross-team collaboration are all strengths. I undertake in-depth business site visits to assess applicants\' financial problems and ensure informed decision-making.As a financial professional, I am committed to accomplishing results through careful credit analysis, portfolio optimization, and collaboration. Let\'s connect to explore opportunities for leveraging skills in enhancing financial performance and mitigating risks.
Experience
Credit Risk Analyst
Jan 2023 — Present · Gurugram, IN
Credit Appraisal and Underwriting of SME Files:Analyzing applicants\' financial status and credit evaluations.Determining the feasibility of granting unsecured loans.Preparing Credit Risk Assessment notes.2. Reviewing and Analyzing Supply Chain:Involvement in portfolio management for SME/MSME/Corporate clients.Collaboration with multiple departments such as legal, business development, and finance.Assessing and managing potential financial threats, including monitoring the Non-Performing Assets (NPA) ratio.3. Client Interaction and Business Place Visits:Meeting with loan applicants to gather necessary information.Conducting business place visits to analyze the financial situation of clients.4. Complete Credit and Backend Process:Overseeing the macro-level credit and backend processes.Involvement in the disbursement process.Handling the release of sales documentation.5. Portfolio Management:Managing a portfolio of 400 Cr, indicating experience in handling significant financial responsibilities.Analyzing and assessing the risk rate associated with the portfolio.6. Credit Bureau Risk Segmentation:Managing the credit bureau risk segmentation process.Supporting consumer real estate and card services acquisition programs.
Education
SRM University
Bachelor of Business Administration - BBA
2017 — 2020
Cardiff Metropolitan University
Master of Business Administration - MBA
2021 — 2022
Universal Business School
Postgraduate Degree
2020 — 2022
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