Neya J — Operations Associate

I didn't plan to become a banker. I spent 3.5 years running an art business — sourcing, creating, selling, managing cash flows tighter than most textbooks describe. I painted portraits, shipped across states, and figured out what it meant to keep a small business alive. Then I went to IIM Trichy. Then IDBI Bank put me on credit. Turns out, reading a business model to decide if it deserves ₹5 Cr is not very different from understanding one to sell it art. Today I work as an Assistant Manager at IDBI Bank's Credit Solutions Center, where I underwrite MSME and Agri credit proposals — evaluating working capital cycles, stress-testing cash flows, and structuring risk within defined credit frameworks. In my first year: → Sanctioned ₹50 Cr+ across 60+ proposals → Ranked #1 among 13 Assistant Managers in zonal performance → Permanently transferred to the centralised credit vertical based on deputation performance → Received 3 salary increments within 12 months I hold JAIIB and CAIIB certifications, and I approach every proposal with what I call disciplined curiosity — understand the business first, stress the numbers second, and decide third. Outside credit desks and balance sheets, I think a lot about: → How retail investors read companies vs. how underwriters actually do → What MSMEs get wrong about their own financials → What an art business and a manufacturing unit have in common If any of that interests you — let's connect. 📩 neyajoshna99@gmail.com

Stackforce AI infers this person is a Banking and Financial Services professional with expertise in credit analysis and MSME lending.

Location: Tiruchirappalli, Tamil Nadu, India

Experience: 1 yr 10 mos