Pooja A.

About Pooja A.

Achiever|| Dreamer || Communication || Confident || Leadership || Motivator || Believer

Experience

1. Credit Manager

   Axis Bank

   Feb 2024 — Present · Noida, IN

   1.Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.2.Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business 3.Checkcredit worthiness and ensure completion of credit/KYC documents and verification.4.Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.5.Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.6.Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties7.Take ownership of client queries and use industry knowledge and experience to overcome challenges & solve problems8.Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.9.Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.10. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.11.Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.12.Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies13.Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team

Education

• Indira Gandhi National Open University

  Postgraduate Degree

• Indira Gandhi National Open University

  Pgdibo, International Business

• School of Management Sciences Lucknow

  Master of Business Administration - MBA, finance, marketing

  2018 — 2020

• Lucknow University

  Bachelor of Commerce

• Dr. A.P.J. Abdul Kalam Technical University

  Master of Business Administration

• University of Lucknow

  Bachelor of Commerce - BCom, Business/Commerce, General

• Indira Gandhi National Open University

  Master of Commerce, Business/Commerce, General

• Institute of Cost Accountants of India

  cost and management accountants, Accounting and Finance