At Cholamandalam Investment and Finance Company Ltd., I underwrite business, doctor, and professional-loan proposals through centralized underwriting. I assess borrower eligibility and repayment capacity using financial statements, bank statements, GST and income-tax returns, CIBIL reports, and cash flows.
I prepare Credit Approval Memos covering borrower and business assessments, financial analysis, risks, policy deviations, mitigating factors, and recommendations. I also assess DTI, LTV, FOIR, and DSCR in line with credit policy.
At NeoGrowth Credit Pvt. Ltd., I managed credit evaluation for secured and unsecured business-loan portfolios, including doctor and professional borrowers. I reviewed financials, verified bank statements, completed bureau and KYC/AML checks, and assessed repayment capacity and policy compliance.
Earlier, I managed trade-finance operations at ICICI Bank Ltd. and supported branch operations, credit operations, and loan processing at Ugro Capital Ltd., Aavishkar Group, and Kapital Tech. I hold certifications in US residential mortgage underwriting, AML-KYC compliance, and Lean Six Sigma.
