Smaranika Nayak
Banking Consultant
Hyderabad
Summary
Trained and confident credit specialist, ensuring accuracy in analysis to enhance company efficiency. Skilled in conducting thorough credit assessments, identifying potential risks, and implementing effective strategies to mitigate them. Adept at building strong relationships with clients and providing exceptional customer service. Committed to staying updated on industry trends and regulations to deliver optimal results.
Overview
7
7
years of professional experience
6
6
years of post-secondary education
4
4
Certifications
Work History
Team Lead Credit
ICICIBANK LTD
12.2019 - Current
- Assess credit risks associated with applicant requests, determine repayment abilities, and relay findings to concerned team.
- Analyzed and investigated financial profile of customers to assess creditworthiness and other risk factors by gathering income, credit and other compliance documents to increase loan portfolio quality.
- Collaborated with underwriting team regarding affordability to tailor credit solutions, resulting increase by 20% in customer satisfaction.
- Evaluate credit profile with past credit history and over dues along with KYC checks.
Investment Advisor
KARVY STOCK BROKING LTD
1 2018 - 12.2019
- Monitor client investments of Retail and Institutional clients.
- Technical, Fundamental and Derivative analysis.
- Profiling and analyzing investment products to develop customized financial strategies for clients financial needs.
- Dealt financial market products including stocks, bonds and mutual funds and fixed income products.
- Analyze stocks as per market news and public sentiments.
INTERN NPA ANALYSIS
UNIONBANKOFINDIA
05.2017 - 07.2017
Education
M.B.A in Finance & Marketing - Finance And Marketing
SOA UNIVERSITY
Odisha 01.2016 - 04.2018
BBA in Finance - Finance
KIIT UNIVERSITY
Odisha 01.2012 - 04.2015
Skills
- Banking Product Knowledge
- Credit data analysis
- Relationship building
- Knowledge of credit policy
- Loan processing Assesment
- Communication and interpersonal skills
- Superior time management
- Research-Minded Leadership skills
- Critical thinker
- Capital Market Knowledge
- Analyzing and interpreting data about available securities, prices and market activities
Accomplishments
- Best Employee Award 2024
- eRM Master in Mortgage
- NRI eRM Money to India champion
Certification
Financial Modeling and advance excel certification.
Timeline
Team Lead Credit
ICICIBANK LTD
12.2019 - Current
INTERN NPA ANALYSIS
UNIONBANKOFINDIA
05.2017 - 07.2017
M.B.A in Finance & Marketing - Finance And Marketing
SOA UNIVERSITY
01.2016 - 04.2018
BBA in Finance - Finance
KIIT UNIVERSITY
01.2012 - 04.2015
Investment Advisor
KARVY STOCK BROKING LTD
1 2018 - 12.2019
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