maneesh bawari

At Uttarakhand Gramin Bank, I processed retail and agricultural loan applications, reviewing documents, CIBIL reports, and repayment capacity, including FOIR/DTI calculations. I also prepared credit files for KCC, Cash Credit, Term Loan, and Demand Loan products.

I supported overdue and NPA monitoring through customer follow-ups, repayment reminders, and One-Time Settlement documentation. I also handled branch cash operations and KYC, CKYC, and AML compliance.

In my current family CSC operations and finance development work, I provide digital banking, fund transfers, account servicing, and government assistance to customers. I’m also developing my credit underwriting and quantitative modeling skills through CFA curriculum study and hands-on projects.

For my Tata Motors Financial Analysis project, I used financial statement and ratio analysis, valuation methods, and risk modeling. I also modeled a Power BI dashboard to analyze credit card portfolio dynamics, transaction trends, and risk indicators.