AGANSHUL GUPTA
@anshulgupta3
Finance professional specializing in credit risk, underwriting, and US commercial & mortgage lending.
IndiaWhat I'm looking for
I am a finance professional with over 8 years of experience across US commercial & mortgage industries and Indian banking, focused on credit assessment, underwriting, and portfolio management.
I have driven measurable improvements in loan review efficiency and quality, including a 15% reduction in turnaround time and consistent QC results across 800+ mortgage audits.
I leverage tools such as Moody’s CreditLens, Salesforce, JIRA, Encompass LOS and advanced financial analysis to produce actionable credit memos, risk ratings, and covenant compliance assessments.
I am a collaborative problem-solver who values regulatory compliance, accurate reporting, and continuous process improvement to support portfolio health and business growth.
Experience
Work history, roles, and key accomplishments
Senior Analyst - Commercial Lending
Evalueserve
Jan 2023 - Present (3 years)
Streamlined risk assessment processes for US middle‑market and large corporate clients, reducing loan review turnaround by 15% while conducting financial statement analysis, covenant testing, and asset‑based lending oversight across healthcare, education, nonprofit and real estate portfolios.
Senior Analyst - Commercial Underwriter
BluCognition
Aug 2022 - Jan 2023 (5 months)
Performed financial reviews and underwriting for high‑risk merchant accounts, using ratio analysis and Moody's CreditLens to assess creditworthiness, detect portfolio trends, and prepare credit memos with risk mitigation recommendations.
BEConducted pre‑close QC audits on 800+ US residential mortgage loans to ensure compliance with Fannie Mae, Freddie Mac and investor guidelines, maintaining zero invalid condition rate and 100% turnaround time adherence.
HBDeputy Manager - Credit
HDFC Bank
Apr 2018 - Jul 2020 (2 years 3 months)
Underwrote 15,000+ personal loan cases, performing borrower assessments, FOIR calculations and credit evaluations to maintain zero PAR errors, zero delinquencies and 95% TAT.
Management Trainee - Credit
Indiabulls Ventures Ltd.
Nov 2017 - Mar 2018 (4 months)
Conducted borrower due diligence and financial analysis for personal loans, applying FOIR and ratio analysis to assess repayment capacity and maintain timely processing and low delinquency.
Education
Degrees, certifications, and relevant coursework
BTBirla Institute of Management Technology
Post Graduate Diploma in Management, Finance
2015 - 2017
Completed a Post Graduate Diploma in Management with a focus on Finance, covering corporate finance, risk management, and financial analysis.
UDUniversity of Delhi
Bachelor of Commerce, Commerce
2010 - 2013
Completed a Bachelor of Commerce degree with coursework in accounting, finance, and business studies.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Salary expectations
Job categories
Skills
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