Swapnali Waghmare
Credit Analyst | HDFC Bank | Credit Risk | Portfolio Management | JBIMS’24
- Role
- Credit Analyst at HDFC Bank
- Location
- Pune, MH, IN
- LinkedIn followers
- 500 followers
About Swapnali Waghmare
Driven Credit Analyst at HDFC Bank with experience in credit appraisal, risk assessment, and portfolio monitoring. Skilled in financial analysis, income assessment, and evaluating borrower creditworthiness to support sound lending decisions. Strong analytical mindset with a focus on maintaining asset quality and ensuring compliance with internal credit policies.
Experience
Credit Analyst
Jul 2024 — Present · Mumbai, IN
Monitored & evaluated credit policies, ensuring compliance, and alignment with regulatory guidelines - Designed & implemented income assessment framework for JLG risk evaluation for a ₹ 7+ Crs portfolio - Administered SHG credit operations while monitoring ₹11 Cr portfolio, strengthening risk frameworks, tracking repayment trends, and supporting efficient credit processes and periodic performance - Conducted in-depth analysis of investor presentations from 8+ banks, NBFCs, and SFBs to identify competitor growth trends, exposure, strategic focus, supporting informed decision-making for bank- Conducted UATs in Novopay, validating system functionality & resolving issues before rule deployment - Led standardization & roll-out of processing documentation while addressing CM queries, system error - Handled SHG passbook issues arising from RRB mergers across 3+ states, ensuring smooth underwriting - Drove quarterly Credit Monitoring (CM) activities by designing field visit questionnaires, tracking reports, and publishing customer insights to support risk assessment and decision-making for the bank - Analyzed data to monitor regional, customer, and branch-level trends while supporting system implementation through requirement validation and testing of vendor app quarter on quarter basis
Education
A D joshi jr college
HSC, PCMB
2014 — 2016
Jamanalal Bajaj Institute of Management Studies
M.M.S., Business Administration and Management, General
Jawahar Navodaya Vidyalaya - JNV
SSC, School
Smt.Kashibai Navale college of Engineering
Bachelor of Engineering - BE, Computer Science
2016 — 2020
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