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Devesh Gupta
@deveshusg
I'm a credit risk analyst currently working with Ninjacart in Bangalore, India.
IndiaWhat I'm looking for
As a seasoned Credit Risk Analyst with an MBA in Finance & Marketing from IIM Bodhgaya, I specialize in credit underwriting, risk assessment, and financial analysis for lending products. With hands-on experience at Ninjacart and ICICI Bank, I have assessed and monitored diverse credit portfolios, optimized underwriting processes, and developed data-driven risk models that enhanced decision-making and reduced default rates. Skilled in SQL, Python, and financial modeling, I leverage automation and analytics to drive efficiency in credit evaluation and collections. Passionate about strengthening credit risk frameworks, I thrive at the intersection of data, strategy, and risk management. Open to new opportunities in credit risk and lending analytics—let's connect!
Experience
Work history, roles, and key accomplishments
NCurrent
Assessed 90+ new customers (buyers & Suppliers) in a span of 6 months on their Character, Capital & Capacity for trade finance product and kept track of their payments and took corrective actions when required.
Visited 60+ Clients' premises to better assess the risk associated with industry, operations, business model and promoter background & related parties.
Built real time collection dashboard
IBFinancial due Diligence in credit risk to judge the Creditability of clients on the basis of end-to-end due diligence of financials within Defined TAT and ensuring Cent Accuracy.
Risk Assessment via Ratio, Trends, Financial Analysis and understanding the Business and Industry of the Client.
Analyzing the Credit History of the Borrower through CIBIL and other Dedupes.
Preparation of Appraisal Note
AIBusiness Strategy and Planning Manager
Sep 2020 - May 2022 (1 year 8 months)
Implemented pricing adjustments, boosting market share by 9% through competitive benchmarking.
Streamlined Policy Issuance, cutting processing time by 5-7 days and reducing policy leakage by 32%.
Developed churn identification gateway, decreasing churn business by 25%.
Established FLS training structure, driving 30% monthly growth in active FLSs.
Spearheaded Partner Office Program
KFImplemented efficient strategies, achieving 100% student growth in 8 months.
Established cost-effective supplier relationships, reduced waste, and led successful marketing campaigns for 15% customer traffic increase.
Trained and developed a team, enhancing productivity and reducing turnover by 75%
Education
Degrees, certifications, and relevant coursework
IBIndian Institute of Management Bodhgaya
MBA, Finance and Marketing
2018 - 2020
Tech stack
Software and tools used professionally
Availability
Looking for a job
Location
IndiaAuthorized to work in
Salary expectations
50k-100k USD
Social media
Job categories
Skills
Credit RiskCredit AnalystCredit ScoringCredit StrategiesCredit MonitoringFinancial AnalystFinancial AnalysisFinancial ModelingFinancial ModellingFinancial StatementsFinancial Risk ManagementFinancial Statement AnalysisSQLStrategyGTM StrategyStrategic SalesBusiness StrategyMS ExcelSalesAdministrationHR AdministratorSales AdministrationMarketingB2C MarketingB2B MarketingGTM marketing
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