Manager Personal Loan credit & risk analyst
Seasoned Banking & Finance Professional around 3 years of experience in Risk & Policy Management,    
Credit Risk Analysis, Portfolio Analysis, MIS & Reporting, and NPL Tracking etc. Intend to secure a position    
with any financial institution or a multinational firm with a stable environment that will lead to a lasting    
relationship in the field of finance or business administration and to gain experience in a position that will    
compliment my academic background in finance and business administration. 
Last Resume Update July 9, 2019
Address Dubai, United Arab Emirates
Phone Number 0563120924


Kotak Mahindra bank ltd
Manager Personal Loan Risk & credit analyst
May 2016 - Nov 2018

• Analysis of disbursed loan data (approval ratio, reject inference, location wise disbursal, scheme wise disbursal, channel wise disbursal) to identify potential market, customer requirements & minimize delinquency
• Design & modify various policy related to personal loan keeping competition, business numbers, delinquency in consideration
• Maintaining MIS & Analysis of pre-approved programs (analysis to check portfolio quality, approval ratio, and delinquent segment, identify specific trends & take immediate action to stop loss etc.)
• Responsible for designing logic model, performing UAT of Loan management system RCAS for instant / digital loan program without human intervention.


Thakur Institution Of Management Studies & Research
Master of Business Administration
Mar 2014 - Jun 2016

MBA- Finance

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