Open to opportunities

sanju soni

@sanjusoni

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Experienced banking and credit professional skilled in credit analysis, financial modelling, and client management.

India

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What I'm looking for

I seek a mid-level credit or corporate banking role where I can apply credit analysis, financial modelling, and client management to drive timely, compliant lending decisions and portfolio growth.

I am an experienced banking professional with a strong background in credit analysis, loan processing, and portfolio monitoring, having worked on corporate credit for HDFC Bank and completed internships in market research. I use data-driven methods and financial modelling to assess creditworthiness and inform lending decisions.

At HDFC Bank I prepared detailed Credit Appraisal Memos, conducted financial and ratio analysis of corporate borrowers, and collaborated with credit, risk, and operations teams to ensure timely sanctioning, disbursement, and covenant compliance. I managed borrower portfolios worth INR 40 crores and led process optimization efforts that improved loan disbursement speed and client retention.

I hold an MBA in Marketing & Operations and a B.Tech in Mechanical Engineering, and I complement my practical experience with certifications in commercial credit and credit underwriting. I bring strong communication, presentation, and client engagement skills to deliver actionable insights and reliable credit decisions.

Experience

Work history, roles, and key accomplishments

Manager - Emerging Corporates

HDFC Bank

Jul 2023 - Apr 2025 (1 year 9 months)

Prepared detailed Credit Appraisal Memos and conducted financial and qualitative analysis to support sanctioning of term loans and working capital; monitored borrower portfolios worth INR 40 crores and improved credit approval speed and disbursement efficiency.

Credit Analysis Financial Modeling Risk Analysis Loan Processing

Marketing Summer Intern

Kantar IMRB

Feb 2022 - May 2022 (3 months)

Conducted market research and primary data collection for consumer brands and contributed to the Jal Jeevan Mission project by delivering accurate, timely insights to inform strategic marketing decisions.

Market Research Survey Design Data Collection Consumer Insights Data Analysis Reporting

Education

Degrees, certifications, and relevant coursework

ICFAI Business School, Hyderabad

Master of Business Administration, Marketing & Operations

Grade: 6.41/10

Completed an MBA with specialization in Marketing and Operations, focusing on marketing strategy and operational management.

Saintgits College of Engineering

Bachelor of Technology, Mechanical Engineering

Grade: 7.34/10

Completed a Bachelor of Technology in Mechanical Engineering with coursework in core mechanical engineering subjects and applied engineering practices.