I've underwritten unsecured MSME and business loans across Poonawalla Fincorp, UGRO Capital, Bajaj Finance, and HDFC Sales, handling loan sizes from Rs. 5 Lakhs to Rs. 75 Lakhs. As a Sanctioning Authority, I've sustained 50 to 60 monthly login-to-sanction conversions while maintaining low delinquency and audit-ready documentation.
I assess GST returns, ITRs, bank statements, financial statements, DSCR/FOIR, bureau reports, and repayment capacity to make prudent credit decisions. I've maintained portfolio NPA/delinquency below 1.2%, managed policy deviations with risk mitigants, and upheld KYC/AML and RBI compliance with zero major audit flags.
