Ayushi Sharma
@ayushisharma8
I underwrite retail and SME lending exposures, translating financial analysis into clear credit recommendations.
IndiaWhat I'm looking for
At ANZ Banking Group, I underwrite secured and unsecured retail and SME facilities across mortgages, construction loans, business lending, and personal loans. I assess repayment capacity, analyse financial statements and cash flows, and deliver clear credit recommendations within risk appetite.
I've earned four promotions in four years while managing high-volume assessments, due diligence, portfolio monitoring, and stakeholder communication. Earlier finance internships at HDFC Bank and Jagdeesh Baheti & Sons strengthened my grounding in investment analysis, portfolio risk management, taxation, and audits.
Experience
Work history, roles, and key accomplishments
Credit Assessment Officer
Dec 2021 - Aug 2026 (4 years 8 months)
Underwrote secured and unsecured facilities including mortgages, construction loans, business lending, and personal loans. Analyzed financial statements, cash flows, and credit metrics to assess borrower creditworthiness and prepared structured credit assessment reports.
Internship (Finance)
HDFC Bank
Feb 2021 - May 2021 (3 months)
Conducted fundamental and technical analysis of the Banking PSU sector to identify investment-grade securities. Built a profitable portfolio recommendation for the bank's ULIP fund and developed knowledge of hedging and insurance instruments.
Internship (Finance)
Jagdeesh Baheti & Sons
Sep 2019 - Nov 2019 (2 months)
Supported taxation filings and statutory audits across multiple client accounts. Reviewed client financial records to ensure compliance with audit standards and reporting requirements.
Education
Degrees, certifications, and relevant coursework
ICFAI Business School
Master of Business Administration, Business Administration
Grade: CGPA 8.10
Pursued a Master of Business Administration, achieving a CGPA of 8.10.
Sri Vaishnav Institute of Commerce
Bachelor of Commerce, Commerce
Grade: 71.40%
Completed a Bachelor of Commerce with a percentage of 71.40%.
Institute of Chartered Accountants of India
Executive Level, Chartered Accountancy
Cleared the Executive Level of the Institute of Chartered Accountants of India.
Corporate Finance Institute
Financial Modeling & Valuation Analyst, Financial Modeling & Valuation
Earned the Certification of Financial Modeling & Valuation Analyst in September 2026.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Salary expectations
Social media
Job categories
Skills
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