Hinal Panchigar

I’m an Analytical Chartered Accountant with over 7 years of experience in Credit–Financial Risk Assessment within the Banking and NBFC sector. I focus on end-to-end credit appraisal, underwriting quality, and repayment-capacity evaluation through financial statements, ITRs, GST returns, and cash flow analysis.

In my current role as a Senior Credit Manager, I manage high-volume credit appraisal for salaried and self-employed client profiles. I perform comprehensive risk assessments, validate profile authenticity through personal discussions and customer interactions, and handle fraud risk through background checks, bureau assessments, and related controls.

I strengthen operational decisions with analytics: I’m currently enhancing data-driven decision-making capabilities through advanced training in Power BI, SQL, and Python. I’ve supported strong execution outcomes by reviewing and risk-mitigating 200+ employed applications per month and 90+ self-employed applications per month, including processing volumes up to Rs. 7 crores.

I also drive continuous improvement—improving Team Turnaround time (TAT) through key process and system optimization and reducing audit observations by over 30% through strict policy and regulatory compliance. Earlier, as an Article Assistant (Internship) at Natvarlal Vepari & Co., I conducted statutory and internal audits, prepared financial statements, and filed GST returns for 15+ clients while drafting audit and tax-related responses.