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Mobile: + 91 7204085340, 9606175290


- Portfolio Management  A management professional with 7 years experience in area of Financial
- RISK Analytics
Modelling, Variance Analysis, Accrual Forecasting, Risk Management,
- Quality Control
- Coordination NAV Calculation, Financial Reporting, US Taxation, Investment and
- Project life cycle Pension calculation.
 Experienced Credit Analyst skilled in risk analysis for all types of
- Relationship Management participant and banking client. Proven experience in assessment of
- Transitions creditworthiness of client companies.
- Team Management
 Having strong knowledge of Excel and sound experience into financial
- Presentations
- Quality reporting.
 Preparing Monthly Reports, Variance Analysis, Monthly and Quarterly
- Data Analysis
- Planning, organising,
 Working experience with global insurer Banking and Financial services.
- Motivation  Knowledge of Financial tool to extract data like SQL, FPRS, CCW.
- MIS Reports  Social events presentation on India Level.

Mar,13 - Present Fidelity management research, Bangalore as senior operation analyst in pension
calculation Risk assessment and investment operations.
Jun, 11 – Mar,13 Xchanging Technology services Pvt Ltd as Associate Financial Analyst
Apr ’10 - Mar, 11 HDFC Bank as sales and investment officer

Fidelity Management Research

 Experience in developing lending and credit models.

 Responsible for doing considerable research on larger potential borrowers.
 Assisted in making presentations to significant clients.
 Developed monthly report of funds outstanding to borrowers for executive team.
 Review Variance analysis to identify the change in trends.
 Worked as part of a team that developed risk analysis criteria for each lending situation.
 Part of Global Business Unit Team which supports Finance Team in Forecasting, Budgeting, Reporting.
 Part of FP&A group which provides services such as forecasting, budgeting, variance analysis and
 Actively participated in data modelling and business modelling.
 Negotiated credit disputes with high-level bank and loan office personnel
 Communicating production inefficiencies to Onshore Analysts and highlighting the probable solutions.
Monitoring the improvement in process to catch any deviations from set results.
 Assisted underwriters in establishing criteria for approving or denying client funding..
 Part of corporate social responsibility team to Co-ordinate with the top management and the team
members, for identifying, planning and developing strategies, for enhancing the growth of the
Xchanging Technology services PVT LTD:

 Maintaining the Client’s Escrow accounts and managing their funds for expenses and revenue.
 Posting the funds in the respective Client’s account.
 Experience in developing lending and credit models.
 Issuing 1099 Misc form to service providers/vendors and Claimants detailing the amount and reason of
payments made to them in a financial year. Analyzing the accounts on a regular basis for effective
client management.
 Preparing the Bank Vs System reconciliations.
 Complaints handling from service providers/vendors and Claimants regarding discrepancies in payment
details provided to them through 1099 misc form.

 Gathering Client requirements, analyzing the requirement and match our services and product to their
 Participated in Executive level management meetings on a regular basis and presented
 Informational presentation. Provided comprehensive process documentation for use in enterprise
 Achieving the new business volume by selling savings account, current account, fixed deposits, and
recurring deposits, insurance and mutual fund products.
 Responsible for directing all sales programs like- setting goals for the staff, establishing training
programs, analyzing their performance and motivating them to meet their goals.


2009 MBA (Finance) from ACMS Business School, Kolkata. Secured 7.3 (CGPA)
2005 B.Sc. (Mathematics Hons.) from Ranchi University, Ranchi.
2002 Higher Secondary Education, JIEC, Ranchi.
2000 Senior Secondary Education, BSEB, Patna.


 Successfully conducted training program for new joiners.

 Successfully completed Kaizen training.
 Showcased in Hall of Fame for Solution Unit of Xchanging.


Residential address : Manjula Nilay, Site #47, 1std floor, M Pappna Layout,
Near Mayura Signature Apt, Channsandra, Bangalore - 560067
Date of Birth : 27th DEC, 1984
Father’s Name : Mr. S. P. Verma
Gender : Male
Marital Status : Married
Nationality : Indian
Languages Known : English, Hindi, Bengali (speak).
Hobbies : Reading, Music, Writing poems, playing badminton.