me User
@meuser7
Credit analyst at AU Small Finance Bank who underwrote home loans and created trackers to monitor credit pipelines.
IndiaWhat I'm looking for
At AU Small Finance Bank, I underwrote and audited home-loan credit files, checking income statements, tax documents, and balance sheets. I also created portfolio and turnaround-time trackers to monitor credit pipelines.
At HDB Financial Services (HDBFS), I evaluated creditworthiness across home loans, Loan Against Property, SALPL, and SENP accounts. I used debt-to-income, debt service coverage ratio, and cash-flow analyses to assess applicant risk.
At AISECT, I maintained operational databases and MIS reporting frameworks, and prepared financial and budget reports. I automated routine scripts and data-cleansing rules, reducing manual tracking discrepancies by 15%.
Earlier, at Chirayu Medical College & Hospital, I audited accounts payable and receivable ledgers and supported reconciliations and bookkeeping. After a medical leave, I’m fully cleared to return to full-time work and have refreshed my skills in Excel, SQL, Power BI, and MIS reporting workflows.
Experience
Work history, roles, and key accomplishments
Underwrote and audited complex credit files, verifying income statements, tax documents, and balance sheets. Engineered portfolio and TAT trackers to monitor credit pipelines and mitigate asset quality risks.
Credit Relationship Manager
HDB Financial Services
Jan 2023 - Dec 2024 (1 year 11 months)
Orchestrated end-to-end creditworthiness evaluations for retail loan portfolios including Home Loans, LAP, SALPL, and SENP. Conducted DTI, DSCR, and cash-flow analyses to establish risk exposures.
Senior Executive – Operations
AISECT
Jan 2019 - Dec 2022 (3 years 11 months)
Controlled and maintained large-scale operational databases and MIS reporting frameworks. Automated routine script workflows and data cleansing rules, reducing manual tracking discrepancies by 15%.
Assistant Accountant
Chirayu Medical College & Hospital
Jan 2016 - Dec 2017 (1 year 11 months)
Audited accounts payable/receivable ledgers and supported monthly reconciliation activities and general bookkeeping tasks.
Education
Degrees, certifications, and relevant coursework
Institute of Professional Education and Research (IPER)
MBA, Finance
2017 - 2019
Pursued an MBA in Finance, gaining expertise in financial analysis, risk management, and credit underwriting.
Extol Institute of Technology
Bachelor of Computer Applications, Computer Applications
2011 - 2014
Completed a Bachelor of Computer Applications, building a foundation in computing and software applications.
Availability
Location
IndiaAuthorized to work in
Salary expectations
Job categories
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