Pragya Pathak

About Pragya Pathak

Coming together is a beginning; keeping together is progress; working together is…

Experience

1. Credit Manager

   HDFC Bank

   Jun 2023 — Present · Hyderabad, IN

   Executed over 50 plus proposals Commercial (Infrastructure Lending), Individuals and Partnership firms- Negotiated proposals with ticket size ranging from 1 Crores to 10 Crores- Reviewed credit applications from individuals and businesses- Analyzed financial statements and credit histories of applicants- Evaluated potential risks associated with each credit request- Used credit scoring models and financial analysis to determine risk levels- Made credit approval or rejection decisions based on set guidelines- Collaborated with colleagues for complex cases or higher credit amounts- Communicated credit decisions to applicants and address inquiries- Explained reasons for approval or rejection and offer guidance on credit matters- Regularly monitoring the bank\'s credit portfolio- Reviewed existing credit facilities and assessed the need for updates or renewals- Ensured all credit processes comply with regulations and internal policies- Maintained accurate records of credit decisions and customer interactions- Worked closely with relationship managers, and other bank departments- Provided guidance and support to junior staff as needed- Prepared and presented reports on credit performance- Highlighted key metrics and trends to senior management- Stayed updated on industry trends and regulatory changes- Implemented improvements to credit processes based on best practices- Addressed credit-related issues promptly and professionally- Worked with customers and internal teams to resolve disputes and find solutions.