Disha Rajpal profile photo 1 on Tal

Disha Rajpal

Business Analyst at DCB Bank

Ahmednagar

4+ years of work experience

DCB Bank
Apr 20262 mosPresent

Ahmednagar

• Assessed project viability through cash flow, sales velocity, and pricing analysis for construction finance and inventory funding proposals ranging from ₹3 crore to ₹50 crore. • Evaluated credit risk using LTV, DER, DSCR, and sensitivity analysis for the same. • Monitored disbursements, escrow accounts, and fund utilization, ensuring compliance with sanction terms and security structures. • Analysed inventory, receivables, collections, and working capital cycles for real estate and inventory funding transactions.
Kotak Mahindra Bank
Jun 20241 yr 11 mosApr 2026

Ahmednagar

I have had the privilege of working across diverse financial products, including Home Loans, Loan Against Property, Business Loans, SBE, and Working Capital. Proficient in systems like Clos and Salesforce, I take pride in managing end-to-end processes, from login to sanction, ensuring accuracy and compliance at every step. My expertise lies in handling critical documentation such as CIBIL, CRIF, CFR reports, VAK reports, FI initiatives, and document verification. With a passion for efficiency and precision, I strive to streamline operations and deliver exceptional financial solutions.
DESHPANDE INVESTMENTS
Sep 20221 yr 2 mosOct 2023

Ahmednagar

Order Management: Handled switch orders, purchase orders, and redemptions efficiently. Mutual Fund Mechanics: Learned about pooling funds from investors to invest in various assets, managed by experts
Aug 202110 mosMay 2022

Ahmednagar, Maharashtra, India

Backend operations specialist with expertise in loan processing and coordination with managers. Skilled in managing loan applications, ensuring compliance, and meeting deadlines.
Big Bazaar - Future Retail
Aug 20211 moAug 2021

Ahmednagar, Maharashtra, India

Efficiently resolved customer issues. Assisted with warranty and guarantee information.

Education

Savitribai Phule Pune University

Master of Business Administration, Finance & HR

Savitribai Phule Pune University

20222 yrs2024
Savitribai Phule Pune University

Bachelor of Business Administration - BBA, Finance

Savitribai Phule Pune University

20193 yrs2022

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Headline

Business Analyst at DCB Bank

About

Results-oriented Finance Professional and MBA Topper with extensive experience in credit underwriting and loan processing across BL, SBE, HL, LAP, WC, Construction Finance, and Inventory Funding, handling exposures ranging from ₹3 crore to ₹50 crore. Currently working at DCB Bank, with prior experience at Kotak Mahindra Bank and one year of internship experience in Investment Banking. Certified in NISM Series V-A Certification, with expertise in financial analysis, credit risk assessment, and ratio analysis, including LTV, DSCR, and DER, along with proficiency in Perfios, CLOS, Salesforce, regulatory compliance, and investor relations.

Location

Ahmednagar

Work experience

Business Analyst at DCB Bank, Apr 2026 - Present · 2 mos, Ahmednagar, • Assessed project viability through cash flow, sales velocity, and pricing analysis for construction finance and inventory funding proposals ranging from ₹3 crore to ₹50 crore. • Evaluated credit risk using LTV, DER, DSCR, and sensitivity analysis for the same. • Monitored disbursements, escrow accounts, and fund utilization, ensuring compliance with sanction terms and security structures. • Analysed inventory, receivables, collections, and working capital cycles for real estate and inventory funding transactions.

Credit Processing Analyst (CPA) at Kotak Mahindra Bank, Jun 2024 - Apr 2026 · 1 yr 11 mos, Ahmednagar, I have had the privilege of working across diverse financial products, including Home Loans, Loan Against Property, Business Loans, SBE, and Working Capital. Proficient in systems like Clos and Salesforce, I take pride in managing end-to-end processes, from login to sanction, ensuring accuracy and compliance at every step. My expertise lies in handling critical documentation such as CIBIL, CRIF, CFR reports, VAK reports, FI initiatives, and document verification. With a passion for efficiency and precision, I strive to streamline operations and deliver exceptional financial solutions.

Internship Trainee at DESHPANDE INVESTMENTS, Sep 2022 - Oct 2023 · 1 yr 2 mos, Ahmednagar, Order Management: Handled switch orders, purchase orders, and redemptions efficiently. Mutual Fund Mechanics: Learned about pooling funds from investors to invest in various assets, managed by experts

Cordinator at First One Finserv, Aug 2021 - May 2022 · 10 mos, Ahmednagar, Maharashtra, India, Backend operations specialist with expertise in loan processing and coordination with managers. Skilled in managing loan applications, ensuring compliance, and meeting deadlines.

Customer service Desk at Big Bazaar - Future Retail, Aug 2021 - Aug 2021 · 1 mo, Ahmednagar, Maharashtra, India, Efficiently resolved customer issues. Assisted with warranty and guarantee information.

Education

Master of Business Administration, Finance & HR, Savitribai Phule Pune University

Bachelor of Business Administration - BBA, Finance, Savitribai Phule Pune University