Open to opportunities

Pihu Rathore

@pihurathore

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Strategic Credit Risk Manager with expertise in financial modeling.

India

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What I'm looking for

I am looking for a role that offers opportunities for growth, a collaborative culture, and the chance to leverage my analytical skills in credit risk management.

I am a strategic and analytical Credit Risk Manager with over 2 years of hands-on experience in high-impact roles at top retail banks. My proven success in reducing NPA ratios and enhancing portfolio performance is complemented by my ability to improve credit decision frameworks using advanced financial modeling and BI tools. I am adept at driving data-led insights using SQL and Power BI, leading cross-functional credit initiatives, and aligning risk management with growth objectives.

At HDFC Bank, I have played a key role in a credit process automation initiative that reduced manual errors by 30%. My responsibilities include analyzing financial statements to assess client creditworthiness and ensuring compliance with IFRS/GAAP standards. I have been recognized for my excellence in underwriting quality and portfolio productivity, receiving a top 5% performance award. I am passionate about leveraging my analytical skills to contribute to organizational success.

Experience

Work history, roles, and key accomplishments

Current

Deputy Manager

Current

HDFC Bank

Nov 2023 - Present (1 year 7 months)

Analyzed financial statements to assess client creditworthiness and determine risk exposure. Played a key role in a credit process automation initiative, reducing manual errors by 30%.

Financial Statement Analysis Risk Assessment SQL Power BI Financial Modeling

Acquisition Manager

Ujjivan Small Finance Bank

Jul 2023 - Oct 2023 (3 months)

Identified and acquired new clients for the bank's products and services, building and maintaining strong relationships to drive business growth. Conducted market analysis to identify potential customer segments and developed strategic marketing initiatives.

Relationship Management Market Analysis Strategic Marketing Business Growth Networking

PGDM Summer Internship

Fundsroom

May 2022 - Aug 2022 (3 months)

Conducted detailed research on financial markets and asset performance to support investment decision-making. Utilized financial modeling tools to evaluate investment options and performed risk assessment and asset valuation.

Portfolio Management Financial Modeling Risk Assessment Asset Evaluation Business Analysis

Education

Degrees, certifications, and relevant coursework

PUNE INDIRA SCHOOL OF BUSINESS STUDIES

PGDM Finance, Finance

Focused on advanced financial concepts and their application in business. Developed strong analytical and strategic decision-making skills relevant to the finance industry.

M.D.S UNIVERSITY, BHILWARA RAJASTHAN, MLV GOVT. COLLEGE

B.Sc., Science

Completed a Bachelor of Science degree, building a foundational understanding of scientific principles. Developed critical thinking and problem-solving abilities through coursework.