1. Meenal Gupta +91 7506026970
meenal_gupta08@yahoo.in
Manager- Credit & Finance
Result oriented, energetic MBA (Finance) acknowledged for professionalism, analytical capabilities
and problem solving skills having international exposure in London & NYC. Total industry experience
of around 5 years.
PROFESSIONAL EXPERIENCE
Manager (Credit & Finance) - HDFC Bank Ltd (October 2014 till date)
Roles and Responsibilities:
• Manage the credit appraisal process -analysis of financial statements, preparation of CMA
data
• Detailed due diligence of loan proposals, assessing credit worthiness of clients by analysing
credit ratings, credit profile and calculation of their credit score using an internal credit
appraisal model
• Detailed analysis of risks including but not limited to Financial, Commercial, Technical or
Policy and Regulatory risks , gross & net NPA Analysis
• Ensure complete adherence to various credit policies, analysis of stressed accounts
• Ensure complete compliance of various norms, terms and conditions as stipulated in norms,
policy or sanctions
• Periodic Review and monitoring of portfolio.
• Work on trade finance proposals, extend buyers credit/ suppliers credit for import of goods
• Closely working with Bank Treasury trading desk for trade support , trade verification &
trade confirmation
• Good knowledge of various insurance products, mutual funds, fixed deposits and other
investment products.
• Ensure that RBI/FEMA guidelines on banking are strictly adhered to
• Interface with multiple units across the bank to ensure customer requirements are satisfied
• Working knowledge of ERP, MS Office, flex cube.
Finance Manager at Leaf Stone Group, Chandigarh
(1st
September 2011 – 30th May 2014) 2 years 9 months
Roles and Responsibilities:
• Raising long term and short term loans for the company, work on credit proposals
• Analysis of various financial ratios like DSCR, FACR , tracking various other financial ratios

2. • Conduct scenario analysis, senstivity analysis for various credit proposals
• Investigating and understanding key business issues behind the numbers and providing
clear,concise and timely analyis & recommendations e.g. reporting, forecasting and
budgeting
• Relationship management with various banks , financial institutions and clients
• Providing senior management with analyses and reports that support long-term/short term
business planning.
• Supervising & maintaining the financial system used to track, plan and forecast sales on
monthly basis.
• Using spreadsheet and MS Powerpoint to analyze market data, spot trends and develop
forecasts
• Working on data base management systems like ERP and preparation of MIS .
Assistant Finance Manager at Shri Group, Noida (A real estate company)
(1st December 2010 – 31st August 2011) 9 months
Roles and Responsibilities:
• Raising long term and short term loans for the company, work on credit proposals
• Analysis of various financial ratios like DSCR, FACR , tracking various macro economic
indicators
• Conduct scenario analysis, senstivity analysis for various credit proposals
• Relationship management with various banks , financial institutions and clients
• Sales planning & forecast
• Reporting to senior management with analyses and reports that support long-term/short
term business planning.
• Using spreadsheet and MS Powerpoint to analyze market data, spot trends and develop
forecasts
• Inventory management, budgeting and analysis
ACADEMIC QUALIFICATIONS
• Three continent (3C) MBA (Finance) 2010 batch from Amity Business School ,Noida,UP with
a CGPA 7.73. 6 months exposure in London & New York
• B.Com (2005-2008) from Kurukshetra University, Haryana
• 12th (C.B.S.E.) [2003-2005] from Convent School Ambala Cantt, Haryana

3. • 10th (C.B.S.E) [2003] from Convent School Ambala Cantt, Haryana
PERSONAL DETAILS
DATE OF BIRTH 8th
May ‘88
MARITAL STATUS MARRIED
PASSPORT NUMBER G 6461692
RESIDENTIAL ADDRESS C-7, Sanjog Co-op Housing Society, Sector 9A, Vashi 400703, Navi Mumbai