Summary
Overview
Work History
Education
Skills
linkedln
Certification
Timeline
Generic

Nivya Gangadharan

Unit 6, 86 Mascot Dr, Eastlakes,NSW

Summary

CAREER OBJECTIVE

Have gained good exposure to understand various aspects of retail banking which has developed a great sense of confidence at a very personal level. Hence, I seek a challenging position in the area of credit analysis for lending activities, Retail banking operation and related fields where I can contribute my knowledge and skills to an organisation and enhance my experience through continuous learning and teamwork.

SUMMARY

  • Having a total of 12 years of experience in the field of Banking.
  • 7+ years of experience in retail lending alone

Overview

12
12
years of professional experience
1
1
Certification

Work History

Manager - Asset Officer

IDBI Bank Ltd
11.2015 - 09.2023
  • Well versed in preparing detailed credit proposal by analyzing eligibility of borrowers, credit worthiness of borrowers, credit risk, management and fitting the borrowers requirement within product suite and credit policy guidelines.
  • Evaluating client’s credit data and financial statements in order to determine the degree of risk involved in lending.
  • Extensive experience in Retail banking and Mortgage operations, Client Due Diligence (CDD/KYC) and credit underwriting.
  • Structure financing arrangements like repayment schedules, ROI and other terms for client accounts.
  • Decision making and finalizing based on the analysis to preset the lending limit.
  • Hands on experience for processing and analyzing Housing loan, Mortgage loans, Vehicle loan, personal loans, educational loans and Business loans etc.
  • Proactive credit monitoring of all accounts.
  • Handling review/ renewal of existing loans.
  • Obtaining and reviewing periodic inspection and statements, financials, CIBIL reports, Income Tax returns.
  • Check account performance, identify deviations and early warning signals and taking suitable corrective/remedial actions.
  • SMA and NPA monitoring.
  • Controlled bad debts exposure and expenses and ensured recovery of bad debts.
  • Prepared documentation due diligently and ensured compliance in pre and post sanction terms.
  • Prepared all statutory reports viz monthly/quarterly on time.
  • Co ordinated in auditing- concurrent, internal and statutory and ensured submission of reports on time.
  • Proficient PC experience using MS Office products(Word, Excel, Outlook, PowerPoint etc) and working knowledge and experience in Core Banking Software Finacle.

Assistant Manager

IDBI Bank Ltd
08.2011 - 11.2015
  • Exposure in General Banking at branch level
  • Analyze banking transactions on a daily basis.
  • Handled cash and check transactions accurately and efficiently.
  • Assisted customers with the opening, closing and maintenance of accounts and provided information about products and services.
  • Processed loan payments, deposits, withdrawals and other monetary transactions.
  • Resolved customer complaints and inquiries in a professional manner.
  • Developed strong relationships with customers by providing excellent customer service.
  • Managed daily operations of a bank branch.
  • Operates in full compliance with internal policies, procedures, security requirements and regulatory guidelines.

Education

SKASC, Bharathiar University -

2010
MSc Computer Science

NASC, Bharathiar University -

2008
BSc Computer Science

GMMGHS School, Kerala State Board -

2005
H.S.C

GAPHS School, Kerala State Board -

2003
S.S.L.C

Skills

  • Credit analysis
  • Financial analysis
  • Analytical skills
  • Risk assessment
  • Credit Risk
  • Problem solving
  • Multi Tasking
  • Financial operations
  • Banking Software core -Finacle

linkedln

linkedin.com/in/nivya-gangadharan-73042029b

Certification

  • JAIIB (Junior Associate of the Indian institute of the bankers) by IIBF
  • CAIIB (Certified Associate of the Indian institute of Bankers) by IIBF


Timeline

Manager - Asset Officer

IDBI Bank Ltd
11.2015 - 09.2023

Assistant Manager

IDBI Bank Ltd
08.2011 - 11.2015

SKASC, Bharathiar University -

2010

NASC, Bharathiar University -

2008

GMMGHS School, Kerala State Board -

2005

GAPHS School, Kerala State Board -

2003

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Nivya Gangadharan