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ASHISH MALIK

@ashishmalik

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Dedicated credit operations executive with strong analytical skills.

India

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What I'm looking for

I am seeking a challenging role that allows me to utilize my skills in credit analysis and risk management while contributing positively to the organization's success.

I am a dedicated credit operations executive with a strong background in credit analysis and risk assessment. With experience at Indian Mortgage Guarantee Corporation and Cholamandalam Investment and Finance Company, I have honed my skills in evaluating credit data, managing credit risk, and ensuring compliance with financial regulations. My commitment to excellence drives me to deliver high-quality results in fast-paced environments.

Throughout my career, I have developed a customer-centric approach, focusing on effective communication and teamwork to achieve business objectives. I excel in preparing reports and documentation for credit decisions, conducting thorough credit appraisals, and overseeing the credit application process. My technical proficiency in various financial software and tools, combined with my academic background in commerce, positions me as a valuable asset to any organization.

Experience

Work history, roles, and key accomplishments

Current

Credit Operation Executive

Current

Cholamandalam Investment and Finance Company

Aug 2024 - Present (10 months)

Prepared reports and documentation for credit decisions, conducting thorough credit analysis and risk assessments. Managed credit risk, analyzed credit reports, and ensured compliance with financial regulations.

Credit Analysis Risk Assessment Compliance CIBIL

Credit Associate (Home Loan)

Indian Mortgage Guarantee Corporation

Sep 2022 - Aug 2024 (1 year 11 months)

Processed home loan cases for multiple bankers, performing Perfios and Valuation Report Analysis. Evaluated credit data and financial statements to assess risk, ensuring adherence to KYC norms and internal guidelines.

Perfios Analysis Financial Statement Analysis KYC Risk Assessment

Education

Degrees, certifications, and relevant coursework

Maharishi Dayanand University (MDU) Rohtak

Master of Commerce, Commerce

Completed a Master of Commerce degree, focusing on advanced business and financial concepts. Gained in-depth knowledge in various aspects of commerce.

Maharishi Dayanand University (MDU) Rohtak

Advance Post Graduate Diploma, Computer Applications

Obtained an Advance Post Graduate Diploma in Computer Applications. Developed strong skills in various computer applications and software.

Maharishi Dayanand University (MDU) Rohtak

Bachelor of Commerce, Commerce

Earned a Bachelor of Commerce degree, providing a foundational understanding of business principles. Studied core subjects related to commerce and finance.