Pragya Sinha

About Pragya Sinha

With over 7+ years of dedicated experience in Mortgage Loan Credit Underwriting, I possess a strong grasp of accounting principles and a deep understanding of financial concepts relevant to banking. My expertise spans across credit underwriting, Financial Statement Analysis, Ratio Analysis, Report Writing, Credit ratings, driven by a meticulous analytical approach.Key competencies include:• Assessing the creditworthiness of large and medium businesses.• Delivering compelling presentations and comprehensive rating recommendations to rating committees.• Exceptional written and verbal communication skills, essential for report-writing and presentations.• Proficiency in crafting high-quality reports while effectively managing multiple tasks within tight deadlines.• Demonstrating strong customer communication abilities to gather information, convey decisions, and engage stakeholders effectively.• Substantial understanding of accounting standards, banking-related financial concepts, and robust quantitative and analytical skills.• Fostering teamwork through effective interpersonal skills, with a talent for leading and mentoring team members.• Proficiency in organizing, analyzing, and interpreting data to extract meaningful insights.• Skilled in handling intricate details and numerical data with precision.Skills : Credit Risk Assessment | Financial Analysis |Ratio Analysis | Stakeholder Engagement| Report Writing | Credit Underwriting | Presentations | Leadership | Time Management

Experience

1. Area Credit Manager

   Hero FinCorp

   Aug 2023 — Present · Bengaluru, IN

   Conducted thorough assessments of customer creditworthiness to inform decision-making processes.• Evaluated financial backgrounds and property assets of applicants to gauge loan feasibility.• Spearheaded a cross-disciplinary team tasked with evaluating intricate credit applications, ensuring a balanced approach between risk and return.• Optimized the application review procedure, resulting in expedited credit decisions for clients.• Presented essential performance metrics to departmental leaders to facilitate effective cash flow management and refine credit risk protocols.• Produced cash flow projections and conducted cost analyses to support informed decision-making.• Diminished delinquency rates through vigilant monitoring and prompt followups on overdue accounts.• Cultivated robust communication networks among departments involved in credit management, promoting synergy and operational efficiency.• Elevated team efficiency through regular training sessions on pertinent credit management topics

Education

• Patna Women's College

  Bachelor of Science (BSc)

• ICFAI Foundation for Higher Education, Hyderabad

  Master of Business Administration (MBA), finance

  2016 — 2018

Skills

• Personal Financial Planning
• Microsoft Office
• Financial Reporting
• Cost Accounting
• Financial Analysis
• Inventory Management
• Finance
• R
• Financial Services
• Financial Risk Management
• Cost Management
• Management
• Project Management
• Microsoft Excel
• Financial Accounting
• Microsoft Powerpoint
• Microsoft Word
• Corporate Finance
• Cost Control