B.N. Shoba

MOBILE: +918********* EMAIL: adjccn@r.postjobfree.com

To constantly challenge the limit of my potential for change new way of adding value to the overall efforts of the organisation in achieving goal and to be at wherein I can efficiently utilize my knowledge, skills and talent for the organisation, successful professional and individual development.

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PROFESSIONAL OVERVIEW

●Electronic and communication Engineer and PGDM specialised in marketing and operations with 3 months of experience as PB and as credit manager till date.

●Experience as credit manager in researching and evaluating client’s creditworthiness, creating credit scoring models to predict risks.

●Experience in approving or rejecting loan requests, based on credibility and potential revenues and losses, negotiating loan terms with clients, maintaining records of loan application

●Experience in follow up with clients to manage debt settlements and loan renewals and meeting clients with sales manager for personal discussion.

●Experience in understanding of lending procedures.

●Hands on experience with accounting software.

●Excellent analytical skills, with the ability to create and process financial spread sheets.

●Experience as Privilege banker in meeting clients and explaining product to customer, suggesting clients according to their requirement and need.

AREAS OF EXPERTISE

●Expert in underwriting and making decisions.

●Researching and evaluating client’s creditworthiness and granting process

●Meeting clients and explaining product to customer, suggesting clients according to their requirement and need.

SOFTWARE & TECHNICAL SKILLS

●Knowledge on creating credit scoring models to predict risks.

●Knowledge on suggesting clients according to their requirement and providing solution.

●Knowledge in MS Word, MS Excel, MS Power point, MS Document.

●C basics and core java.

DOMAIN EXPERIENCE

AUG 2019 – Till date: CLIX CAPITAL PVT Ltd (HYDERABAD).

Roles & Responsibilities : Credit manager

●researching and evaluating client’s creditworthiness, creating credit scoring models to predict risks.

●approving or rejecting loan requests, based on credibility and potential revenues and losses, negotiating loan terms with clients, maintaining records of loan application

●follow up with clients to manage debt settlements and loan renewals and meeting clients with sales manager for personal discussion

Projects: competitor mapping on risk management

Description: This project involves in knowing the competition and what they are offering, what their strengths and

weaknesses.

●Knowing DSA expectations and how they select customers on what based.

●Knowing monthly volume in market, bounce rate, approval rate, how much rate of interest they charge.

●Knowing what type of customers, they fund and what are the products they deal with.

●Knowing how DSA generate the lead, under how many companies they work.

●Knowing competitors overall experience and their business volume.

MAY 2019 – JULY 2019: ICICI BANK (HYDERABAD).

Roles & Responsibilities : Privilege banker relationship manager

●To know the customers details, to meet all banking and investment needs

●Responsible for providing financial solutions to the priority customer and ensure value added services.

●Responsible for increasing liabilities size of relationship by checking balances in accounts of existing customers

●Responsible for deepening the existing relationships by cross selling of banks products and services

APRIL 2019: DISSERTATION (HYDERABAD).

Project Title: Consumer behaviour towards shopping malls

●To understand the consumers purchasing behaviour who visit shopping malls.

●To know the customers approach towards shopping malls.

●To understand gender differences if any, in terms of buying behaviour.

●To know the overall level of satisfaction among customers

JULY 2018: INTERNSHIP IN XMX IT SOLUTIONS (AHMEDABAD)

Project Title: Market analysis and sales promotion of HR -mangtaa software

To know the different sales promotions techniques/tools available

To know the sales promotion technique practiced by xmx solutions

To find out which sales promotion technique are helping to increase the sales of software.

ACADEMIC DETAIL

course

Institute & University

Year of passing

Percentage/CGPA

PGDM

Vishwa Vishwani Institute of Systems & Management

2019

70%

UG degree

(ECE)

TKR college of engineering &tech.

2017

63%

Intermediate

Srichaitanya junior kalashala

2013

82%

SSC

Vishwa bharathi techno school

2011

82%

PERSONAL STRENGTH

●Strong Determination and Hardworking.

●Adaptability to new environment

●I believe in my strength in hard times and learning from mistakes.

●Confidence to face new situation.

PERSONAL DETAILS

●Name : BN SHOBA

●Date of birth : 05-12-1995

●Gender : Female

●Nationality : Indian

●Languages : English, Hindi, Telugu

●Present Address : Venugopal flats back of dhanafactory, Gadwal 509125.

DECLARATION

I hereby declare that the above-furnished information is true and correct to the best of my knowledge and belief. If got an opportunity or a platform I will prove myself.

Place: HYDERABAD

Date: (BN SHOBA)

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