Surbhi Dalal
@surbhidalal
I make sound unsecured lending decisions through financial analysis, underwriting, and portfolio risk management.
QatarWhat I'm looking for
At Ujjivan Small Finance Bank, I assess clients for unsecured lending, review credit policies, prepare approval memos, and present cases to senior management and credit committees.
Previously at Kotak Mahindra Bank, I managed MSME and unsecured business-loan underwriting, analyzed financial statements with cross-functional teams, and achieved over 90% approval accuracy. I also streamlined processes to improve operational efficiency and client satisfaction.
My experience spans vehicle finance and personal-loan underwriting at Yes Bank, alongside statutory, tax, and internal audits as an Article Assistant. As a Chartered Accountant, I bring financial-statement analysis, risk assessment, portfolio monitoring, and policy improvement to credit decisions.
Experience
Work history, roles, and key accomplishments
Senior Credit Manager
Ujjivan Small Finance Bank Ltd.
Dec 2023 - Mar 2026 (2 years 3 months)
Assessed creditworthiness for unsecured lending, managed end-to-end credit processes, and enhanced credit policies to optimize approval efficiency and minimize risk.
Education
Degrees, certifications, and relevant coursework
The Institute of Chartered Accountants of India (ICAI)
Chartered Accountant, Chartered Accountancy
2012 - 2017
Pursued Chartered Accountancy, gaining expertise in accounting, auditing, and taxation.
Tech stack
Software and tools used professionally
Availability
Location
QatarAuthorized to work in
Job categories
Skills
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