Credit Analyst Financial Services

ASHWINI P

Email: *****************@*******.*** Mobile: +91-973*******

EDUCATION

Master of Business Administration (MBA)- Finance & HR Bangalore University 2015 Bachelor of Commerce (B. Com), Bangalore University 2012 CAREER SYNOPSIS

Experienced Credit and Risk Operational Analyst with over 8.5 years of specialized expertise in Financial Statement Analysis and Risk Management within the dynamic internet, e-commerce, and payments industries. Proven track record in conducting comprehensive risk assessments, transaction processing, and chargeback analysis to ensure financial integrity and mitigate operational risks effectively. Skilled in detecting and preventing fraudulent activities through advanced fraud detection techniques and Anti-Money Laundering (AML) protocols. A results-oriented professional with a strong commitment to regulatory compliance and optimizing financial strategies to drive business growth and profitability. PROFESSIONAL EXPERIENCE

Risk & Fraud Analyst PayPal, Bangalore March 2021 - Present

Manage global enterprise accounts as a credit analyst, specializing in risk mitigation strategies.

Conduct in-depth analysis of financial statements to assess merchants' financial health, ensuring alignment with PayPal's risk management framework.

Evaluate merchant business models, industry credit reports, and transaction histories to perform comprehensive risk assessments.

Ensure compliance with PayPal's acceptable use policies, credit card regulations, and legal standards through meticulous merchant assessments.

Calculate and mitigate financial exposures from sellers, implementing proactive risk mitigation measures.

Identify and analyze emerging risk patterns and indicators to safeguard PayPal's financial interests. Senior Associate - Credit Analysis EXL(Business Process Solutions) – Bangalore June 2019 - Feb 2021

Led knowledge transfer initiatives from clients for outsourced processes, ensuring smooth transitions and operational continuity.

Developed and documented standard operating procedures (SOPs) post knowledge transfer, presenting them to management for review and obtaining client sign-off.

Monitored Service Level Agreement (SLA) performance through dashboards, tracking and resolving overdue items with operational teams.

Produced management information system (MIS) reports, conducted accounts receivable (AR) movement analysis, and prepared executive committee dashboards.

Assessed creditworthiness of client customers, creating financial scorecards, internal risk ratings, and credit decision forms.

Conducted governance review calls with clients, documenting meeting minutes to ensure transparency and compliance.

Credit Analyst Dell Technologies India, Bangalore May 2017 - Feb 2019

Conducted comprehensive credit analysis using scoring methods for corporate and government clients, ensuring informed credit decisions.

Analyzed financial statements, calculated ratios, and conducted market research to assess client creditworthiness during periodic reviews.

Generated various reports including orders on hold, credit balance, and group credit check reports to support decision-making processes.

Collaborated closely with sales teams, collectors, and segment controllers to optimize credit and collection strategies.

Accounts Executive Bosch Ltd – India, Bangalore October 2015 - May 2017

Managed end-to-end credit functions, overseeing credit limits and monitoring receivables to maintain financial health.

Reconciled daily collection accounts and prepared bank reconciliation statements to ensure accuracy and compliance.

Tracked invoices and collections, preparing periodic MIS reports and overdue invoice collection dashboards for management review.

Facilitated month-end reporting schedules and prepared overdue statements to support financial reporting processes.

CORE PROFICIENCIES

Expertise in Credit Research (Portfolio Management), Credit Scoring, Financial Statement Analysis & Assessment, and Accounting.

Proficient in using Zoot, Experian, Lexis Nexis, and Equifax Credit Reports for comprehensive credit analysis.

FUNCTIONAL EXPERTISE

Strong background in Credit Risk Management, Credit Analysis, Ratio Analysis, and Internal Risk Rating methodologies.

Skilled in Accounts Receivables management, including Collection Analysis and Bank Reconciliation Statement (BRS).

TECHNICAL SKILLS

Experienced in generating MIS Reports (Flash Reports & Dashboards) using Oracle, Sabrix, and SAP FICO.

Proficient in Bloomberg, D&B ERAM, and Advanced MS Excel, MS Word, and PowerPoint for data analysis and presentation.

ACHIEVEMENTS

Recognized as a "Star Performer" with consistent on-the-spot awards for outstanding performance.

Received commendations from clients and management for exceptional contributions.

Achieved individual SLA above 95%, ensuring team metrics and quality standards were consistently met.

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