Hritik Karande

Dynamic Finance Professional with 4 years of specialized experience in Credit Risk Assessment and Personal Discussion (PD) for premier private banks, including ICICI Bank and Axis Bank. Expert in business viability analysis, credential verification, and real-time risk mitigation. Highly proficient in digital underwriting platforms such as iLens and WPS, delivering high-impact credit appraisal reports that drive informed lending decisions.

Business & Credit Analyst - Doshi Jain and Company (Associated with ICICI & Axis Bank) - Kalyan, Maharashtra

(2022-05)

• Conducted Personal Discussions (PD) for high-volume retail assets including PL, BL, and LAP to evaluate borrower intent and repayment capacity.
• Managed end-to-end digital reporting via ICICI iLens and Axis WPS ecosystems, maintaining zero-error data integrity for Credit Managers.
• Performed comprehensive On-site Business & Residential Verifications to validate operational legitimacy and identify potential "Red Flags."
• Analyzed on-field financial documents to verify stated income against actual business turnover and physical stock levels.
• Maintained superior Turnaround Time (TAT) while ensuring high-quality risk reporting for executive bank stakeholders.

MBA - Finance - Dr. D.Y. Patil Vidyapeeth, Pune (2024)

Bachelor in Accounting & Finance - Accounting & Finance - K.V. Pendharkar College (2021)

Higher Secondary Certificate - K.V. Pendharkar College (2018)

Secondary School Certificate - Saket Vidya Mandir School (2016)