Looking for a job

garima joshi tripathi

@garimajoshitripathi

Message

I assess complex home loans and credit portfolios across Australian and Indian markets.

India

Message

What I'm looking for

I'm looking to create value by strengthening my core credit and risk-management competencies, acquiring new skills, and delivering consistent results in a collaborative, high-performance environment.

I'm a Senior Credit Assessment Officer at ANZSSI, approving Australian home loans up to $2.25 million. I assess proposal risk through financial analysis, market references, policy compliance, and data-driven credit risk management.

Previously, I managed a Rs. 300+ crore Karnataka portfolio at Kotak Mahindra Bank across agribusiness, retail, SME, and corporate relationships. I've handled working capital, project finance, trade finance, and commodity funding while improving processes, monitoring accounts, and supporting high-quality team decisions.

Experience

Work history, roles, and key accomplishments

Current

Senior Credit Assessment Officer

Current

ANZSSI

Dec 2021 - Present (4 years 9 months)

Senior credit assessment officer handling Home Loan approvals up to $2.25 million for the Australian market, with in-depth knowledge of national policies and regulations. Utilizes data analysis tools to assess and manage credit risks, and provides on-floor support to new joiners.

Credit Assessment Risk Management Financial Analysis Policy Compliance Data Analysis Team Support

Senior Credit Manager

Kotak Mahindra Bank Limited

Jun 2012 - Dec 2021 (9 years 6 months)

Managed a portfolio of Rs. 300+ Crores across Karnataka, handling credit for retail, SME, and mid-corporate relationships in the agribusiness segment. Led business initiatives, assigned internal credit ratings, and monitored accounts to prevent slippage to default.