Neelam Saikiran
Career Objective
Financial Analyst with 0 years of experience in corporate finance, credit appraisal, and banking analytics. MBA graduate with hands-on academic experience analyzing loan portfolios, NPA trends, and credit appraisal workflows at State Bank of India using financial modeling and ratio analysis. Skilled in MS Excel for modeling and variance analysis, Tally and basic accounting for ledger review and cost assessment, and PowerPoint for stakeholder reporting. Experienced in diagnosing portfolio quality, recommending credit-monitoring improvements, and preparing actionable presentations for management. Comfortable working across banking operations and corporate finance tasks including credit risk assessment, working capital analysis, and budgeting. Seeking an entry-level Financial Analyst role to apply analytical rigor and deliver measurable improvements in credit decisioning and financial reporting.
Education
Technical Skills
Projects
- Analyzed SBI loan portfolio across retail, MSME and corporate segments to identify disbursement trends and sector-wise concentration using MS Excel models.
- Built financial models to compute key ratios and growth patterns and performed variance analysis to benchmark portfolio performance versus prior periods.
- Evaluated credit appraisal procedures by mapping sanction workflows and pinpointing procedural gaps affecting turnaround time and risk detection.
- Assessed NPA levels and recovery patterns to characterize asset quality and prioritize high-risk segments for intensified monitoring.
- Recommended improvements to credit-monitoring processes and controls, aligning appraisal checkpoints with observed default drivers to reduce credit risk exposure.
- Conducted a structured review of existing employee welfare policies and compiled quantitative program costs using MS Excel.
- Designed and administered evaluation metrics to measure impact of welfare measures on employee satisfaction and retention.
- Prepared ledger reconciliations and consolidated program expenditures using Tally and basic accounting principles to validate budget figures.
- Presented evidence-based recommendations and an implementation roadmap to stakeholders using MS PowerPoint to support decision-making.
Certifications
Achievements
- MBA Project: Loan Performance Analysis at State Bank of India: Completed detailed loan-portfolio analysis evaluating disbursement trends, credit appraisal processes, and NPA patterns as part of MBA curriculum.
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