Reetika Srivastava

Email: reetikasrivastava3194@gmail.com Mobile: 7905234413

Banking professional with over 4.10 years of experience in managing category of AL& PL portfolios,
growing revenue and increasing business dealings among Channel Partners with a profound knowledge
of Credit and Financial statement analysis, Structure and Cash flows and ability to maintain good
relations with internal and external Customers and Channel partners.
PROFESSIONAL EXPERIENCE (42 months)
Business Analyst Infosys Sept 2022-Present
• Responsible for resolving client issues, diagnose problem areas, design innovation solution and facilitate
Roles and deployment.
Duties • Develop a proposal by owning parts of a proposal document and by giving inputs in solution design based on
areas of expertise.
Area Credit Risk Manager: Category AL&PL Yes Bank Limited May 2021 – Sept 2022
• Plan and implement long-term development strategies for product categories like AL and PL related to
business enhancement, vendor enhancement, competitive rates in order to maximize revenue
• Work with channel partners to expand product subcategories like- Insurance, GPS, etc.
• Calculate and forecasts for product demand trends in terms of interest rates, offers, discounts in order to
be competitive in market
Program • Research and analyze data and market insights to make competitive changes and derives more revenue
Manager • Build and maintain long terms relationships with vendors and channel partners in order to incur more
business every year
• Managing and tracking annual budget which drives business and increase profitability
• Provide ideas in policy amendments to make the process more viable in terms of product transparency.
• Understanding of financial documents, P&L, ITR, product and policy.
• Coordinating with sales team for driving sales target.
• Interpret financial statements and data for analyzing past financials and business performance
• Monitor portfolios of lenders and ensure quality at par with bank standards
• Evaluate loan structures and ensure credit standards according to company goals and policies
• Tracking deferrals-post disbursal documents on continuous basis and taking up matter with business for
Credit closure of the same
underwriting • Identify & mitigates key risks for each lending transactions and recommending various covenants to
bring borrowers risk profile to acceptable levels
• Investigate and understand key business issues behind the numbers and provide clear, concise and timely
analysis with recommendations and approvals
• Identify the risk associated with the exposure taken on customer through different software in banking
• Contribute ideas and theories in restructuring project launched by banks at the time of Pandemic
Channel • Audit compliance on all aspects stipulated by head office and regulatory compliance in the location
Engagement • Interact closely with other functions such as Branch Banking/Sales/Operations/Collection etc.
& TAT • Provide feedback and corrective actions to channels/vendors on a monthly basis to improve their efficiency
Management • Process vendor bills and ensuring timely payment of bills
• Monitor various delinquency parameters and maintain delinquency at desired levels
Delinquency
Management • Implementation and execution of collections strategy
• Minimize credit losses and optimize cost of collections
Credit • Communicate all the latest policy and procedural changes in order to be updated with the current processes
Huddles • Train junior sub-ordinates (CPA) regarding all the new modifications and changes
• Monthly and quarterly investor reporting
• Provide analytical thought and lead projects that will deliver key insights to enhance decision-making
Financial • Lead the regional annual budgeting and monthly and quarterly rolling forecasting for P&L and Cash
Planning Flows with multiple scenarios
&Analysis • Review of post-closing activities including Management Reporting, Journals, analytical reviews and
consolidation checks
• Perform financial planning and analysis including budgeting, trend analysis and forecasting on weekly and
monthly basis
 • Perform and reviews financial/consolidation checks to ensure the accuracy, completeness and validity of
financial data
• Timely preparation of reports for management analysis as per requirement
Credit Manager: Category Auto Loans ICICI Bank Limited June 2018 – April 2021
• Monitored all credit request and approved or disproved it after analyzing
• Reviewed all new and existing portfolios and identified the critical areas
• Regularly interacted with FI agencies, technical teams, RCU units for timely reports closures
Roles and
Duties • Conducted Vendor TAT management, Vendor visits and Channel visits
• Managed activities like-Operations, disbursement, sanctioning letter, etc.
• Studied Financial statements and plotted them for big ticker size cases
• Worked on Delinquency Management in order to minimize credit losses
Jan 2018 – April
Intern IDBI Federal
2018
Financial Comparative analysis of banks in terms of service quality, retail banking transformations, study on factors affecting
Management investment decisions, credit appraisals methods, overview on foreign exchange process
EDUCATION BACKGROUND
MBA 2018 Sherwood College of Management, Lucknow 88%
BBA (Management) 2016 Sherwood College of Professional Management, Lucknow 91%
12th 2013 City Montessori School, Lucknow 91.8%
10th 2011 RLB school 94%
PROFESSIONAL & ACADEMIC ACHIEVEMENTS
• Eagle Eye Award-Honored with the award in ICICI BANK for catering the highest number of fraud triggers
while underwriting and analyzing the loan applications
Achievements • Awarded as the Best Performer in terms of “Highest Productivity and NIL delinquency” in YES Bank
• Gold medalist in Graduation (BBA) from Lucknow University
• Gold medalist in Post-graduation (MBA) from Abdul Kalam Technical University
• Certification in Financial Planning and Analysis
Certifications • Certification in Management Accounting
• Certification in SQL, Python and Tableau (Ongoing)