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MONA KATHURIA
E-mail: kathuria.mona@gmail.com
Mobile Number: 07837723534
ADDRESS FOR CORRESPONDENCE PERMANENT ADDRESS
House No. 283 House No. 283
Sector-44 A Sector-44 A
Chandigarh Chandigarh
160047 160047
CAREER OBJECTIVE: To work in a challenging environment where my skills and knowledge can be utilized in the best interest of the Organization and to achieve the highest order by working towards its core values.
PROFESSIONAL SNAPSOT
A
Ambitious finance professional with track-record of delivering top Performance. Possess large spectrum of experience in Financial Services markets. Can undertakes difficult mandates and meets tight deadlines. Personal quality includes: rigorous, positive, good problem solver, autonomous, persistent, adaptable and driven.
A
Presently working with Indiabulls Housing Finance Limited as a Credit Manager in Chandigarh
A
An effective communicator with exceptional team management skills with ability to maintain effective relationships and communication with other departments.
SCHOLASTICS
Degree
Institution/Board
Year
Percentage/CGPA
MBA (Finance)
ICFAI
Business
School
, Pune
2009-2011
7.09
Company Secretary
(C.S.)
Institute of Company Secretaries of India (I.C.S.I.)
2006-2010
Qualified
Masters of Finance and Control (M.F.C)
Panjab University
(PU)
2008-2010
Qualified
B.Com.
(Hons)
Govt.
College
for Girls, Sector 42,
Chandigarh
Panjab
University
2005-2008
67.20%
Class 12th
S.D.
Public School
Sector 32,
Chandigarh
C.B.S.E.
2004-2005
75.20%
Class 10th
G.M.H.S. Sector 34,
Chandigarh
C.B.S.E.
2002-2003
63.00%
EMPLOYMENT CHRONICLE Since May‘11
Profile: Credit Manager-Mortgages in Indiabulls Housing Finance Limited
v
Handling Credit Portfolio of Home Loans & Loan Against Property. Clientele mainly involves small to mid-sized businesses, Partnership firms and Private Ltd or closely held companies.
Since Jan`13 working in MSC Team of Chandigarh
v
Since Jan`13 working in Master Service Centre of PCH(Punchkula Chandigarh and Haryana) Handling cases of branches (Chandigarh, Rohtak, Panchkula,Kurukshetra,Panipat, Karnal and Hisar of ticket size more than 1 crore
Since May`11 to Jan`13 Worked with Delhi MSC Team
Underwriting higher ticket loans
Worked in MSC Team at Zonal Office New Delhi Handling Cases of 3 Branches (CP, Meerut and Rohini) Managing Clientele of Self Employed Professionals and Non Professionals of Loan Amt starting from 25 lakhs to 100 Cores
Work Functions Involves:
v Controlling the file flow from log in to disbursement.
v
Making the daily tracker, monthly MIS and different presentation with a view to apprise management of the process operations and assisting critical decision - making process.
v
Ascertainment of eligible loan amount basis loan eligibility criteria
v
In depth financial analysis with the help of Ratio analysis, budget analysis, comparison of last two year’s financials in case of big ticket size unsecured Personal Loans.
v
Place the Recommendation with mitigates and also specifies the concerns of cases. Keeping track of delinquency trend.
v
Searching and charge creation in ROC in company cases.
v
Meeting the customers for knowing in depth knowledge of his business
v
In depth Financial and banking Analysis of Self employed customers.
v
Verifying their creditability through Credit Information Bureau India Ltd & Dedupe.
v
Get the Legal, Valuation & Field Investigation initiated for the cases & the same is updated in the system
v
Point out the negative areas and concerned profile by portfolio behavior.
v
Sound knowledge of loan programs, procedures, policies, products, lending guidelines & technological resources.
v
Take sound lending decisions based on available information & interactions with the applicant
v
Ensuring the Credit policy implementations
v
Credit policy compliance and application of various credit processes laid down to achieve good quality business and audit scores.
v
To deliver credit assessment target within the specified TAT (Turn around Time)
SUMMER INTERNSHIP Feb’10 – May’10
Organization: Feedback Ventures Private Ltd
PROJECTS: Project Appraisal and Financial Modeling of ongoing Projects at Feedback Ventures Pvt. Ltd.
v
Project 1: Development of Road along Canal Project in Punjab
The Project involved preparation of Financial Model for performing the Financial Analysis of ‘Road along Canal’ Project in the state of
Punjab
. The financial study as part of Project Appraisal of the ‘Road along Canal’ project intended to result in finding out whether the project is viable on BOT mode or needs to be taken for viability gap funding or shall be taken up on EPC mode.
v
Project 2: Development of Heritage Village Project at Amritsar, Punjab
The project involved the critical tasks of Financial Analysis of the well known ‘
Heritage
Village
’ Project at
Amritsar
,
Punjab
. This financial study got appreciation from leadership at Feedback Ventures Pvt. Ltd.
MANAGEMENT RESEARCH PROJECT @ IBS PUNE June’10 – Mar’11
PROJECT: To study change in Accounting Standards from IAS & IAFS to IFRS and its effects on Indian Economic Sectors.
Objectives:
v
To track the various changes made to the Accounting Standards over the years and to understand the causes behind these changes.
v
To have a thorough understanding of the IFRS and the Indian GAAP differences.
v
To try and comment as to where be the future headed with this convergence.
Scope: The Project mainly focused on the International Accounting Arena involving in-depth analysis of
v
The IFRS-Implementation Challenges and Approaches for Banks in India.
v
The impact of IFRS on different sectors of Indian Economy.
v
The Financial reports of ‘Infosys Technologies Limited’ with respect to IFRS.
Other Projects
Project 1: Fundamental Security Analysis of a company called ‘Cosmo Films Ltd.’
Scope: Cosmo Films Ltd. is one of the global leaders and manufacturers of Bi-axially Oriented Polypropylene. The Project involved the Security Analysis of the company as well as the Packaging Industry.
Project 2: Database Management at ‘The
Mobile
Store’
Scope: The Project involved the design of Database Management system at ‘The Mobile Store’ by using ER – Diagram and MS-Access.
ADDITIONAL QUALIFICATIONS
v
Successfully completed the ‘Derivatives Market (Dealers) Module’ of NCFM
v
‘Training Orientation Program’as a part of Company Secretary Curriculum.
v
70 hours computer training on ‘Understanding Information Technology in the Corporate Environment’ from NIIT as a part of Company Secretary Curriculum.
EXTRA CURRICULAR ACTIVITIES
v
Contributed as a member of Finance Club at ICFAI Business School.
v
Elected as a Sectional Representative at IBS.
v
Contributed as member of Facilitation Team during a Lecture by Deputy Governor of RBI - Mr. Subir Gokaran at IBS.
v
Contributed as a member of Hospitality team in Zeal 2010 at IBS.
v
Organized Ad Mad Competition in Zeal 2010 at IBS.
v
Played with Junior Cricket Team at IBS.
v
Organized seminars and events at Graduation level.
PERSONAL VITAE
Date of Birth : 18thJuly 1988
Languages Known : English, Hindi and Punjabi
Gender : Female
Marital Status : Unmarried
Nationality : Indian
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