Richa Lodha

Consultant

Mumbai, Maharashtra, India6 yrs 4 mos experience
Highly Stable

Key Highlights

  • Expert in financial analysis and credit reviews
  • Strong understanding of mortgage industry and risk management
  • Proficient in digital banking and customer relationship management
Stackforce AI infers this person is a Fintech professional with expertise in financial analysis and credit management.

Contact

Skills

Core Skills

Financial AnalysisCredit AnalysisValuation AnalysisRisk ManagementAccountingBanking

Other Skills

AccountsAuditingCAMELSCorporate FinanceCredit ReviewsCustomer Relationship ManagementDigital BankingEnglish LiteratureFinanceFinancial AccountingFitch RatingsInternet BankingLoan Granting CompaniesManagementMicrosoft Excel

Experience

Crisil

Senior Research Analyst

Jun 2025Present · 9 mos · Mumbai, Maharashtra, India · On-site

Acuity knowledge partners

2 roles

Credit Associate

Feb 2024Jun 2025 · 1 yr 4 mos · Gurugram, Haryana, India · On-site

Credit Analyst

Apr 2022Feb 2024 · 1 yr 10 mos · Gurugram, Haryana, India · On-site

  • Formerly Moody's || Lending Services || Credit Reviews || Financial Institutions
  • Performed credit reviews for various financial institutions and corporates
  • Analyzed and prepared credit reports using CAMELS - International rating technique used by banking authorities to rate financial institutions
  • Worked across varied portfolio of regions like APAC, LAC, Europe, UK&I, CEMEA, Greater China etc.
  • Key points of contact for the global stakeholders across the analysts to devise any potential value adding to the workflow, feedbacks, and time sensitive ad-hoc requests across region.
  • Possess strong understanding of the financials’ sourcing from public domain as well as from licensed databases such as S&P Cap. IQ Pro and utilizing the strategic and management reports along with the rating reports from the external agencies like Moody’s Investors Service, Fitch Ratings and S&P Global Ratings to improve the quality of the reviews
Credit ReviewsFinancial AnalysisCAMELSPublic Domain SourcingS&P Cap. IQ ProMoody's Investors Service+3

Better

Valuation Analyst

Nov 2021Mar 2022 · 4 mos · Gurugram, Haryana, India · Remote

  • Hand on exposure of working on organization software – Tinman & Appraisal Scope while reviewing on Mortgage loan files.
  • Understanding of loan granting companies and in-depth understanding of mortgage industry
  • Worked with various investors of the company - Ally Bank, American Express, Citi bank, etc.
  • Independent decision making while mitigation of risks and auditing the report.
Mortgage IndustryRisk MitigationAuditingLoan Granting CompaniesValuation AnalysisRisk Management

H & r johnson (india) - prism johnson limited

Executive Management Tr

Jul 2021Oct 2021 · 3 mos · Varanasi, Uttar Pradesh, India

  • Finance and Accounts department
  • Worked with Accounts & Finance Department in the areas of bill passing process of the company including Advertising bills,TA & DA bills by working on SAP.
  • Conducted analysis of company's financial statement for the period 2020-21.
FinanceAccountsSAPFinancial AnalysisAccounting

Hdfc bank

Intern

Jul 2020Sep 2020 · 2 mos · Ranchi, Jharkhand, India

  • In depth knowledge about Digital banking services
  • Importance of Customer Relationship Management in an organization
  • Studied Indian banking sector in regards to Digital banking.
  • Knowing about customer's concerns and problems and resolving them.
Digital BankingCustomer Relationship ManagementBanking

Obscura-the media club of xiss

Liaison

Jul 2019May 2021 · 1 yr 10 mos

Education

Ramjas College

B.A.(Hons.)English

Jan 2016Jan 2019

Xaviers Institute of Social Service

Mba — Finance

Jan 2019Jan 2021

Delhi Public School, Ranchi

Jan 2003Jan 2016

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