Usha Dogra Email & Phone Number

Pune, Maharashtra, India

Pune, Maharashtra, India

Pune, Maharashtra, India

Mumbai, Maharashtra, India

- Interacting with top management, garnering insight into industry, and understanding business model and key risk parameters of the company- Analyzing financial statements, performance and trend analysis for assessing the creditworthiness of the company- Preparing rating report by including profile of the rated company, key rating considerations, credit risk assessment, ratio analysis like proficiency, turnover & solvency, financial projection/modelling, operational & industry analysis- Adhering to standard operating procedures & policies- Conducting research on the industry in which the company is operating and keeping a track on the performance of the industry as a whole- Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the businesses.- Portfolio management of the assigned portfolio of clients.- Independently prepare credit analysis on assigned portfolio of clients (covering macro overview, industry/sector, business, financial and credit analysis), completing Annual Grade Reviews for assigned portfolio and working on prospect coverage, new client onboarding, new product onboarding, renewals and modifications of existing facilities,- Recommendation changes to credit ratings and amendments (credit facilities terms change)- Developing strong working knowledge and tracking clients/sectors- Building strong relationships and maintaining open communication with colleagues from various LOBs including Bankers, Operations, Middle Office, etc. Independently handling all calls/rating discussions with Credit Executives- Keep updated on Credit ecosystem - Tools & Applications, Policies, Procedures, Guidelines required to perform the Credit Analysis of clients- Being current on all risk policies; and ensuring all governance, reporting and data quality requirements are met and maintained for client and client families

Mumbai, Maharashtra, India

- Analyzing credit risk analysis, presentation to rating committee, publishing credit reports in public domain and managing client relationships.- Assessing creditworthiness of clients, performing financial analysis and recommending appropriate credit ratings- Staying current on all aspects of the assigned credit portfolio, including industry trends, portfolio performance, compliance with covenants, potential risks and opportunities- Preparing and presenting credit approval memos in connection with new transactions and reviews on existing client facilities- Participating in client due diligence meetings- Performing annual reviews by coordinating with middle office and business partners in a timely manner- Monitoring, investigating and escalating risk metrics associated with client activity, including exposure control, covenants tracking, and collateral- Knowledge of variety of Banking products and their assessment methodology apart from the different programs that a Bank uses for advancing loans.

Mumbai, Maharashtra, India

- Worked on handling HNI & Retail client’s portfolio.- Experience in advising clients on Equity, derivatives & options.- Responsible for delivering mutual fund investments & IPO advisory to clients.- Lead 7-10 sales executives for acquisition of new clients.- Advised & acquired new clients for smart investment on portfolio.- Outperformer in the team by generating highest brokerage for the company.

Masters In Financial Management, Finance, General

Master'S Degree, Business/Commerce, General

Bachelor Of Commerce - Bcom, Business/Commerce, General