Bharat Gurdin
Davie,FL
Summary
10 Years of progressive experience being responsible for financial analysis, management, forecasting, operations, and compliance. Excelled in the execution of projects, improvements in workflow, controls, and risk management across multiple teams within an organization. True team player who is able too not be distracted and focus on tasks at hand as well execute and see those tasks through to the finish.
Overview
11
11
years of professional experience
Work History
Head of Risk
e-Prodigy Financial LLC
02.2017 - Current
- Streamline operations, develop best practices, and establish underwriting guidelines for the specialty finance sector
- Analyzed business financial and demographic data to render credit decisions
- Develop risk assessment criteria, competitive pricing schemas, and efficient operational workflows
- Devised risk-based pricing to broaden suite of financial product
- Track, monitor, and analyze multimillion dollar portfolios of unsecured assets
- Crafted due diligence policies and procedures
- Prepared financial summaries to assess portfolio performance and guide investment decisions
- Managed Data entry, collections, and Underwriting teams
- Manage proprietary technology for syndicate and internal reporting
- Developed the first ever Funding video interview Mobile Application with built in facial recognition for funding calls
- Improved scoring model accuracy, adjusted weights (Industry, FICO, revenue, trends, background/Sage-margins, Stability.
Analyst / Underwriter
Oquity
10.2015 - 02.2017
- Served as an analyst in the underwriting department and defined credit risk
- Analyzed overall health of merchants and their businesses by conducting various credit, background, bankruptcy, and business history searches
- Reviewed bank statements, credit card statements and financial reports P&L, WIP, A/R, A/P, and implementing the correct formulas to initially determine good standing
- Revised legal documents, contracts and business transaction records before the final decision is made to commence business transactions in the merchant cash advance industry.
Shift Superviser
Rite Aid Pharmacy
09.2013 - 06.2015
- Working in the underwriting department and defined credit risk
- Handled Managed inventory units including – manual ordering, zero count, paying invoices, line point updates, back room pulling, and roles in Loss Prevention
- Trained associates on registers, department duties, inventory responsibilities, stock placement.
Education
Associate of Science - Computer and Information Sciences
Queensborough Community College
New York, NYMercy University
Skills
- Excel (advanced)
- Word
- PowerPoint
- Outlook
- Lexis-Nexis and other research databases
- Loan Processing
- Model Risk Management
- Staff Training
- Information Security
- Fraud prevention
- Financial Management
- Risk Assessment
- Risk Reporting
- Loss Mitigation
- Data Analysis
- Financial analysis and reporting
Timeline
Head of Risk
e-Prodigy Financial LLC
02.2017 - Current
Analyst / Underwriter
Oquity
10.2015 - 02.2017
Shift Superviser
Rite Aid Pharmacy
09.2013 - 06.2015
Associate of Science - Computer and Information Sciences
Queensborough Community College
Mercy University
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