Dipsikha Mallick

I am an analytical finance professional with 4+ years of experience in secured lending, credit underwriting, and compliance within leading banks. I focus on precise financial and credit analysis to support robust underwriting decisions.

In my current role as a credit processing appraiser, I process and validate secured loan documentation, conduct collateral verification, and prepare regulatory and credit risk reports. I prioritize SLA compliance and have contributed to zero operational loss through rigorous monitoring and documentation.

Previously as a relationship officer, I managed end-to-end secured lending processes including customer onboarding, KYC, credit analysis, and portfolio monitoring, achieving zero audit issues by ensuring documentation accuracy and AML/CFT compliance. I coordinate with credit managers on moderately complex underwriting proposals and address risk triggers proactively.

I hold a Master of Commerce (Finance & Control) and certifications in Advanced Excel, Power BI for Financial Analytics, and AI Tools for Accountants, with Pro AML credentials for compliance frameworks and due diligence. I am seeking a Secured Lending Underwriter role where I can apply my underwriting, compliance, and risk-mitigation skills to deliver audit-ready, compliant loan portfolios.