Anuja Redkar|CA, CAIIB
WORK EXPERIENCE
CAREER OBJECTIVE
To work with a professionally
managed organisation that
provides immense opportunity for
career growth and to contribute
consistently, significantly and
innovatively to the Company’s
overall progress.
PROFESSIONAL TRAITS
o Ability to work in a team and
adapt to new environments.
o Focused and goal oriented.
CONTACT
PHONE - 9869013585
EMAIL -
caanujaredkar@gmail.com
RESIDENCE -
Vile Parle East, Mumbai
NKGSB Co-operative Bank Ltd., Mumbai – Deputy Manager
Experience: January 2020 (currently working here)
Promoted to Deputy Manager from Assistant Manager in September 2022
Credit Risk Management Department – Wholesale Banking (Since January
2022 till date)
o Analyze the credit appraisal note and conduct credit risk assessment post
credit appraisal by Credit Analyst.
o Identify, measure, allocate and suggest methods to mitigate the credit
risk.
o Vetting the CRISIL RAM rating initiated by Credit Analyst.
o Provide the credit risk assessment note to the Committee of Directors.
o Prepare credit rating transition and analyze rating migration and maintain
MIS of the rating migration.
o Review and assess credit risk policies and procedures.
Relationship Manager at Credit Advances Department – Wholesale Banking
(January 2020 to December 2021)
o Handling Credit Portfolio as Relationship Manager.
o Yearly renewals and processing any need for additional finance in the
existing portfolio and credit appraisal of new customers either in the form
of Working Capital Finance, Term Loans, Non-fund based limits, etc.
o Business analysis comprising of a broad understanding of the industry,
in general, and client's business profile.
o Financial analysis based on historical and future projected financials
using CMA and financial ratios.
o Identifying key credit issues and preparing report after analysis and
giving recommendation on the basis of analysis.
o Credit Rating based on the financial and business analysis.
o Meeting with the management & promoters of the company and
factory/site visit for detailed understanding of the business from Credit
Appraisal point of view.
o Co-ordinating with the customer and internal operations team regarding
daily banking operations for customer.
Saraswat Co-operative Bank Ltd., Mumbai - Deputy Manager
Experience: September 2016 to October 2019
Wholesale Banking Credit Analyst and Relationship Manager
o Credit appraisal of various Fund based (Cash Credit, Term Loan,
Corporate Loan, etc) and Non-Fund based (Letter of Credit, Packing
Credit, Post-shipment Credit, Bank Guarantee, etc) credit facilities for
existing and new customers.
o Meeting with the management & promoters of the company and
factory/site visit for detailed understanding of the business from Credit
Appraisal point of view.
o Credit Monitoring post disbursement.
o Complying with Audit Queries raised by Internal Auditors and Statutory-
Auditors.
o Cross-selling and marketing of third party products to existing
customers.
OTHER ACHEIVEMENTS
o Secured 2nd Rank in Deloitte, Mumbai - Consultant- ERS (Internal Audit)
T.Y.B.Com. and Experience: March 2016 to June 2016
S.Y.B.Com. in Degree
o Business to Business Internal Audit.
College and secured 3rd
o Drafting of Risk and Control Matrix.
Rank in F.Y.B.Com. in
o Review of Inventory.
Degree College.
o Financial Analysis for identifying scope of improvement in Internal
o Secured the highest marks in
Controls to improve profitability.
Operation Research in
T.Y.B.Com. Examinations.
MAY & Co. Chartered Accountant – Article Assistant
o Secured the highest marks in
Experience: September 2012 to September 2015
Book Keeping &
Accountancy in HSC Worked primarily in the taxation and audit department and have exposure in
Examinations and stood direct-tax, indirect-tax and audit related works.
amongst the top 5 ranks in o Audit Assigments of numerous organisations engaged in manufacturing,
the Junior College. trading and service sectors.
o Direct Tax and Indirect Tax Consultancy to Companies and Individuals.
EXTRAMURAL o Filing returns under Direct Tax and Indirect Tax.
ACTIVITIES
o Participated in organizing TECHNICAL AND IT SKILLS
various College Events.
o Part of School Basketball o Advanced knowledge of MS-Office Applications.
team. o Knowledge of various Banking Softwares.
o Knowledge of RAM Rating Module developed by CRISIL.
INTEREST o Working knowledge of ERP systems like Tally.
o Reading
o Cooking PROFESSIONAL AND EDUCATIONAL QUALIFICATIONS
o Gardening
o Painting Particulars Passing Institute Performance
Month/
LANGUAGES KNOWN Year
o English Chartered Accountant (CA) Nov 2015 ICAI 59.25%
o Hindi Bachelor of Commerce 2014 Mumbai 89.53%
o Marathi (B.Com) University
H.S.C. (12th) 2011 Maharashtra 86.00%
S.S.C. (10th) 2009 State Board 90.30%

Banking Certifications
o Prevention of Cyber Crimes and Fraud Managemnt (IIBF)
o Certified Associate of the Indian Institute of Bankers (CAIIB)
o Junior Associate of Indian Institute of Bankers (JAIIB)