I'm targeting assignments in Financial and Credit Risk, and Fraud Analysis with a reputed organisation.
DC
Looking for a job
Debarati Choudhury
@debaratichoudhury
Credit underwriting professional at Johnson Controls who reviews 300+ customer orders daily and prepares credit risk assessments.
IndiaWhat I'm looking for
At Johnson Controls (JCI), I review customer credit line requests and monitor credit after approval. I also review more than 300 orders per day against past dues and credit limit approvals.
I prepare creditworthiness assessments using customer DNBi scores, CRM, S&P, financial statements, and trade and bank references. I also provide weekly order-status reporting to management and sales.
At Genpact – Cardinal Health, I processed credit limit requests and assessed clients’ ability to pay using financial statements and MRA/Credit Lens spreads. I prepared credit writeups covering company performance, exposures, and security positions.
Earlier, at WNS- M&T Client and Royal Bank of Scotland, I reviewed borrower financial statements, covenants, and credit risk. My work included ratio analysis, PD and LGD scorecards, and reports on borrowers’ repayment capacity.
Experience
Work history, roles, and key accomplishments
Performed credit underwriting, post sanction monitoring, order release, and reporting. Created SOPs and conducted SOX control testing.
Performed credit underwriting and post sanction monitoring for Cardinal Health. Analyzed creditworthiness and prepared credit writeups.
Performed property level reviews and analyzed creditworthiness for M&T Bank. Generated PD and LGD scorecards and prepared detailed review drafts.
Senior Process Associate
Royal Bank of Scotland
Nov 2014 - Jul 2018 (3 years 8 months)
Performed credit analysis and covenant analysis using ratio analysis. Evaluated financial statements and prepared risk reports.
BL
Trainee & Intern
Bharat Coking Coal Limited
Apr 2013 - Jun 2013 (2 months)
Studied working capital management and applied ratio analysis on secondary data. Prepared and presented financial reports.
Education
Degrees, certifications, and relevant coursework
AP
Analytical Edu Point
Advanced Excel Certification, Computer Applications
Completed Advanced Excel Certification from Analytical Edu Point, Saket in 2019.
Fortune Institute of International Business
PGDM, Finance and Marketing
PGDM in Finance and Marketing (Minor) from Fortune Institute of International Business, New Delhi, completed in 2014.
Toastmasters International
Competent Communicator, Public Speaking and Leadership
Completed the Competent Communicator Level of Toastmasters International, USA in April 2013.
SW
Surendranath College for Women
Bachelor of Commerce, Commerce
Bachelor of Commerce from Surendranath College for Women, Kolkata, affiliated with Calcutta University, completed in 2011.
DC
De Nobili School C.M.R.I
ISC, General
Completed 12th grade (ISC) from De Nobili School C.M.R.I, Dhanbad in 2008.
DC
De Nobili School C.M.R.I
ICSE, General
Completed 10th grade (ICSE) from De Nobili School C.M.R.I, Dhanbad in 2006.
Tech stack
Software and tools used professionally
Availability
Looking for a job
Location
IndiaAuthorized to work in
Salary expectations
1680k-2000k INR
Social media
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