At Poonawalla Fincorp, I underwrite Unsecured Business Loan applications up to ₹60L, processing an average of 55–60 files per month with a 1-day average turnaround time and an approval rate above 35%.
I assess applicants using bank statements, income documents, and bureau data from Perfios, CIBIL, Karza, and Corpository. I also conduct in-person and video-based Personal Discussions to evaluate business operations, cash flow, and repayment capacity.
At Crisil, I analysed company financial statements and annual reports to support credit rating assessments. I also validated financial data, supported senior rating analysts with research inputs, and reconciled discrepancies in financial information.
