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Analyst with 4+ years in retail and SME lending portfolios.
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Assessing your cultural and operational fit
Credit Risk & Financial Analysis professional with 3+ years of experience in retail and SME lending portfolios across leading NBFCs. Experienced in credit underwriting, risk evaluation, income assessment, and portfolio monitoring while ensuring compliance with internal credit policies and regulatory guidelines. Proven track record of managing 5-6 Cr in monthly loan approvals while maintaining strong portfolio quality and audit scores. Skilled in credit appraisal, MIS reporting, risk mitigation, and stakeholder coordination. Holds an MBA in Finance & Business Analytics and seeking opportunities in Credit Analysis, Risk, and Financial Analysis roles within global banking institutions.
I.P.S Academy
M.B.A · Finance & Business Analytics
August 1, 2020 – June 30, 2022
I.P.S Academy
B.Com · Honors
August 1, 2017 – June 30, 2020
Shree Nahar Convent School
HSC · 12th Grade
June 1, 2016 – May 31, 2017
Shri Guru Tegh Bahadur Academy
SSC · 10th Grade
June 1, 2014 – May 31, 2015
Tata capital
Credit Manager
July 1, 2024 – September 1, 2025
India
HDB Financial Services
Branch Credit Manager
June 1, 2022 – June 1, 2024
India
N.S.E (National Stock Exchange) - Capital Market
National Stock Exchange
June 1, 2026 – Present
Financial Modelling & Analysis
Unknown
June 1, 2026 – Present
Cultural Fit Analysis
The candidate's experience across two prominent NBFCs (Tata Capital, HDB Financial Services) indicates adaptability to different corporate environments within the financial sector. Their MBA in Finance & Business Analytics, coupled with certifications in Financial Modelling & Analysis and Capital Markets, shows a commitment to continuous learning and professional development. The breadth of their experience in credit risk, financial analysis, and compliance aligns well with a structured, compliance-driven organizational culture. The target role of 'Analyst' is broad, but their background strongly aligns with financial or credit analyst roles.
Soft Skills & Operational Fit
The candidate demonstrates strong operational fit for an Analyst role, particularly in credit and financial analysis. Their experience includes training and supervising junior staff, indicating leadership potential and team coordination skills. The ability to manage compliance, conduct rejection analysis, and support audits suggests a detail-oriented and responsible approach to work. However, specific soft skills like problem-solving under pressure or adaptability are not explicitly detailed beyond operational responsibilities.