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Resume Devesh Gupta Credit Manager
Resume Devesh Gupta Credit Manager
WORK EXPERIENCE
deveshusg@gmail.com
Credit Analyst
ICICI Bank
+91-8528743227 05/2022 -06/2023, Bangalore
+91-8299397802 Conducted financial due diligence including Risk Assessment via Ratio, Trends & Financial Analysis,
understanding the Business andIndustry of the Client and prepared CMA report to evaluate client’s
creditworthiness and assessed risk through meticulous analysis of financial statements for 170+ clients.
Bangalore, Worked on multiple facilities such as Overdraft, Cash Credit, Letter of Credit, Bank Guarantee, Working
India 560068 Capital Term Loan, Capex Term Loan and Drop Line Overdraft.
Handled ticket size of up to Rs. 35 Cr. for fresh, enhancement and renewal cases.
Prepared Appraisal Note by analyzing Cash Flows, Credit History of the Borrower through CIBIL & other
01 January, 1995 Dedupes, Banking & Transaction, Borrower Profile and adherence to collateral norms.
Visiting client to closely monitor the operations of business and verify stock audit report.
SKILLS Proficient in usage of softwares like Colors, Unicore, Bureau One, iView, Probe42, etc.
Demonstrated a proactive approach to monitor early delinquency and ensured a healthy portfolio.
Prioritized policy compliance and stayed updated with regulatory requirements to maintain a robust lending
Credit Underwriting
strategy
Strategic Planning & Implementation Business Strategy & Planning Manager
Stakeholder Management
Aditya Birla Sun Life Insurance
09/2020 - 05/2022, Mumbai
Process & Operational Excellence Conducted market research, mapped user journey and built roadmap for the development of multiple
apps (SalesBuddy, ServiceBuddy, InstaVerify & Uday).
Data Analytics Gathered feature requirements and feedback from end users, managed project timelines & resources
and coordinated with Tech Team for rolling out MVPs and subsequent updates on time.
Python & MySQL
Created and managed campaigns raising user base of SalesBuddy and ServiceBuddy to 70,000+ from
Market Trend & Data Analysis scratch in 6 months.
Implemented pricing adjustments, boosting market share by 5-6% through competitive benchmarking.
Machine Learning
Streamlined Policy Issuance, cutting processing time by 5-7 days and reducing policy leakage by 23% by
Financial Analysis creating & implementing regional review framework
Product Management Developed churn identification gateway, decreasing churn business by 13%.
Spearheaded Partner Office Program expanding distribution to 500+ offices while cutting 50% costs.
Excel, Power BI & Tableau Led annual planning activity by aligning senior leadership and achieving strategic goals.
Project Management Assistant Manager
Kota Study Forum
LANGUAGES 08/2017 - 05/2018, Lucknow
Implemented efficient strategies, achieving 85% student growth in 8 months, and bolstered revenue by
English ~120%.
Professional Proficiency
Established cost-effective supplier relationships, reduced waste, and led successful marketing
campaigns for 60% customer traffic increase.
Hindi
Native Trained and developed a team, enhancing productivity and reducing employee churn by 75%.