Prithika Batra

Experience

1. Credit Analyst

   Cloudstaff

   Jun 2024 — Present · IN

   Conducted credit risk analysis for 200+ new and existing customers, evaluating credit files, pay slips, bank statements, P&L, Balance Sheet, and Cash Flow Statements to assess creditworthiness. Review applicant-submitted information and supporting documents, conducting thorough KYC verification to ensure legitimacy and detect potential red flags related to financial crime.• Engage with applicants to clarify discrepancies or obtain missing documentation, maintaining a risk-based approach to fraud prevention and CDD/EDD processes.• Ensure credit and fraud risks are adequately assessed before decisions are made, including screening for identity inconsistencies, document tampering, and suspicious activity.• Collaborated with the IT team to provide continuous feedback on automating pay slip and liability analysis, significantly reducing manual assessment time and improving efficiency.• Provide high-quality customer service throughout the application journey in line with TCF and vulnerable customer principles, while safeguarding against financial crime exposure.• Collaborate with internal teams to escalate concerns related to suspicious applications and support the continuous improvement of credit and FinCrime. controls.

Education

• Banaras Hindu University, Banaras

  Bachelor of Commerce - BCom, Accounting and Finance, 8.16

  2015 — 2018

• Indira Gandhi National Open University

  Master of commerce, International Business operations, 64.50%

  2018 — 2021