RajaBabu Dixit

Experienced Sr. team lead skilled in credit analysis, risk assessment, ratio analysis and assessment of customer creditworthiness. Proficient in financial statement analysis and regulatory compliance, with a strong ability to make sound lending decisions. Self-motivated with exceptional analytical skills, quantitative skills and an ability to drive the company's finance.

Sr. team lead || team lead at Eureka Outsourcing Solutions Pvt Ltd || HDFC Bank Process (2022-10 – Present)

Senior team lead responsible for reviewing and analyzing commercial loan applications with focus on credit risk assessment and compliance

• Review and analyze commercial loan applications for eligibility, accuracy and compliance with internal and regulatory guidelines
• Complete all required documentation accurately and within time lines
• Conducted comprehensive financial analysis and ratio analysis to assess credit risk for client
• Developed and implemented risk mitigation strategies that enhance the lending process improved client satisfaction

Executive at Eureka Outsourcing Solutions Pvt Ltd || HDFC Bank Process (2021-06 – 2022-10)

Executive level analyst responsible for comprehensive financial analysis and credit assessment of loan applications

• Presented concise and insightful analysis, including Ratio analysis
• Analyzing CIBIL, Commercial CRIF and Consumer CRIF for Proprietorship, LLP, Partnership, Pvt Ltd
• Detailing the Banking Analysis, Banking turnover up to 100cr and Evaluating the client Credit worthiness
• Assessing Clients Financial Status and evaluating Creditworthiness and Risk
• Understanding business models, Critical analysis of business, credit meetings to evaluating the customer's status
• Scrutinizing the documents provided by customer for ensuring compliance to rules regulations
• Reviewing Field investigation reports and making decision on the basis of it
• Analyzing the Financial Reports and Applications up to 50L
• Having personal discussions with borrowers to assess their business model & conferring with clients to verify their financial/credit transactions

MBA in Finance – AKTU (Lucknow University) (2019 – 2021)

B.Com in Commerce – Agra University (2015 – 2018)