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Bhavana Tandon

Assistant Manager-Credit (SME), L&T Finance Ltd.

Mobile: +91-9711627260; E-mail:


Aspire to work for a multinational company or any financial institution which can offer a variety of
tasks and challenging opportunities in the field of credit appraisal, equity research and financial
research. I would like to use my analytical and inter-personal skills to add value to my organization.
Open to learn in the field of finance and keep moving up to higher positions in order to gain new

Academic Summary
Year Qualification Institute %/C.G.P.A
2014 PGDM-G Jaipuria Institute Of Management, Noida 3.61/4.00
2011 B.COM Daulat Ram College, Delhi University 66%
2008 HSC D.A.V. Public School, Delhi 90%
2006 SSC St. Marys School, Mirzapur 73%
** Certificate Programme on Working Capital Appraisal & Monitoring by CRISIL

Academic Distinctions July08-14

Gold Medalist for highest CGPA holder at Jaipuria Institute of Management, Noida
Gold Medalist for All Round Best Student in Jaipuria Institute Of Management, Noida
Finance Topper at Jaipuria Institute of Management, Noida July14
Secured A grade in 13 subjects studied in Jaipuria Institute of Management, Noida
Awarded Best Summer Internship Project in Delhi-NCR by GMA Feb14
Among the final eight teams in Group-A selected for the preliminary zonal round in the
Student Management Games (SMG-2013) organized by AIMA. Sep13
All Round Best Student in Daulat Ram College, Delhi University July11
Awarded Certificate Of Appreciation for organising Evaluation of National Level Poster
Competition by Ministry of Youth Affairs Dec09

Professional Experience L&T Finance May 14 till date (17 months)

Key Result Areas

Sanctioning of the Credit Facilities to the SME Clientele across the North & Central Region

Interaction with the client and Site Visit to understand the nature of the business, the
procurement process for the raw materials, its processing, the final products and
services it delivers, its market and the research on the key sector it works in

Analysed and evaluated more than 300 credit proposals of maximum loan value upto

Assessed the proposals for varied products- Dealer Financing, Vendor Financing, Channel
Financing, Genset Financing, Working Capital Term Loans for SME Borrowers and
Machinery Term Loan Financing

Preparation of the Credit Appraisal Memorandums (CAM's) for both the Short-Term &
Long-Term Financing Facility. Analysis of Financial Statements (Balance Sheet Analysis,
Ratio Analysis, Cash Flow Analysis) of the captioned deals, taking the calls on the limits to
be sanctioned to the borrower keeping in mind the internal credit policies of the
company and the risk-appetite of the borrower

Co-ordination with the Mumbai Team for the timely approval of the CAMs to ensure TAT
so as to ensure the timely disbursements to the customers

Training the team members about the new products, the CAM formats, policies, punching
deals in system and acting as a support function for both the regions. Providing guidance
to business teams on credit risk appetite on new and existing proposals so as to maintain
a healthy portfolio

Working on multiple MIS to keep a track on the total customers added in the master list,
business done report, debtors report and the month-wise achievement of the
Relationship Managers across different products and circulation of the reports among
Divisional & Regional Heads

Summer Internship Shahi Exports Pvt. Ltd. (Unit Sarla Fabrics) Apr13-June13

Undertook a project on Costing Practices in Textile Industry and Cost Volume Profit
Analysis of Sarla Fabric Pvt. Ltd
Analyzed the costing practices followed in Sarla Fabric Pvt. Ltd
Computed the costs for the departments of Lab, Sampling & Product Development Cycle
Conducted the Cost Volume Profit Analysis of the unit
Familiarized with the functioning of a Textile Industry

Academic Project Vijaya Bank, New Delhi Aug13 Sep 13 (1Month)

Conducted the profiling of different banks

Described about the various products and services of Vijaya Bank
Undertook the CAMEL analysis for evaluating the performance and management of the risk.

Live Project Dalmia Healthcare Ltd., New Delhi Jan-13 Feb 13 (1Month)

Undertook a project on Market Entry Strategy for Natural Pain Relieving Gel in Delhi & NCR
Designed the Marketing Plan & Branding Plan
Illustrated the Market Entry Strategies for their product

Live Project Bloggers Mind, New Delhi Feb14-Mar14 (1 Month)

Undertook a project on Nokia Indias Social Media Campaign YourWishIsMyApp

Was responsible for managing the communities and content creation
Managed the engagement activities on social media sites like Facebook, Twitter, etc

Core Competencies
Credit Analysis of SME Clients
Analysis of the financial statements
Portfolio & Risk Management
Team Management
Cross-Functional Co-ordination & Relationship Management
Maintaining the MIS reports with respect to existing and prospective clients
Expertise in maintaining the long-term relationships with clients and helping them in the
best possible manner

Social Work I feel a moral responsibility towards the society
Sudoku Puzzles Solving Soduko Puzzles works as a stress buster for me
Adventurous Sports Rafting, Rock Climbing, Paragliding,etc.

Personal Details

Date of Birth:-13-05-1990
Address:- 62 Sreshtha Vihar, Vikas Marg Extension, New Delhi-110092
Languages Known: English & Hindi
Location Preference:- Delhi/NCR