Dhara Modi

Senior Credit Manager

• Job Details:Managed a diverse portfolio of 50+ mid-to-large corporate clients in the automobile sector with loan ticket sizes ranging from ₹10 crore to ₹500 crore. Prepared credit appraisal notes for inventory funding limits and term loans of new and existing automobile dealerships. Assessed dealer performance against industry benchmarks, ensuring compliance with guidelines to evaluate risk and growth potential. Conducted credit assessments and due diligence, using financial ratios to determine creditworthiness, identify risks, and propose mitigation strategies. Administered dealer portfolios, ensuring adherence to credit policies, business strategies, and regulatory guidelines for effective risk management. Collaborated with dealers and relationship managers to understand financial needs and provide tailored solutions. Oversaw post sanction activities such as preparing sanction letters, managing disbursements, internal audit compliance and deferral management.

Portfolio Manager

• Job Details:Assessed business models, evaluated financials, and conducted risk analysis through financial ratios and due diligence. Worked with risk, operations, and service teams to enhance loan sanction turnaround times (TAT) and optimize internal processes. Monitored sanctioned facilities, tracked client business performance, and managed renewals and enhancements for working capital loans, overdrafts, cash credit, term loans, bank guarantees and dealer funding. Ensured high-quality documentation, client communication, and process compliance, maintaining alignment with product partners.

Assistant Manager

• Job Details:Engaged with clients to gather financial data for accounting and tax return filing, preparing financial statements in Tally and Excel. Assisted in GST return filing (GSTR-1, GSTR-3B) with basic compliance knowledge.