Open to opportunities

Sushma Naik

@sushmanaik

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Credit underwriter and KYC operations analyst delivering compliant lending decisions and secure onboarding.

India

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What I'm looking for

I’m looking for a role where I can apply credit underwriting and KYC due diligence to make compliant, data-driven decisions, strengthen risk controls, and grow within a team that values accuracy, regulatory adherence, and continuous process improvement.

I started in banking through my internship at Canara Bank, supporting the Loans and Customer Service Department. I assisted with loan registrations and documentation, verified Know Your Customer (KYC) details for regulatory compliance, and maintained accurate customer records.

At Bandhan Bank, I worked as an Assistant Manager (Credit Underwriter). I analyzed credit data and financial statements, assessed applicants’ creditworthiness, reviewed loan applications for completeness, and made recommendations on approvals or denials, while also monitoring existing loan performance.

More recently, as a KYC Operation Analyst, I streamlined KYC onboarding by integrating blockchain technology to reduce processing time and improve data security and transparency. I also performed quality checks on sanctions screening as part of customer due diligence, flagging regulatory breaches to the sanction team.

Experience

Work history, roles, and key accomplishments

KYC Operation Analyst

Cred

Dec 2024 - May 2025 (5 months)

Streamlined the KYC onboarding process by integrating blockchain technology to reduce processing time and improve data security and transparency. Performed quality checks on sanctions screening and KYC, and flagged regulatory breaches to the sanctions team.

KYC Operations KYC onboarding Data Security Sanctions Screening Customer Due Diligence Regulatory Breach Escalation

Assistant Manager - Credit Underwriter

Bandhan Bank

Oct 2024 - Dec 2024 (2 months)

Conducted credit underwriting by analyzing credit data and financial statements to assess lending risk. Reviewed loan applications and documents, monitored existing loan performance, and made recommendations on approvals or denials.

Credit Underwriting Credit Risk Assessment Financial Statement Analysis Document Verification Credit Management Regulatory Requirements

Relationship Officer

Canara Bank

Nov 2023 - Dec 2023 (1 month)

Assisted with loan registrations by supporting documentation and ensuring required forms were accurately completed. Verified KYC details for regulatory compliance, maintained customer records, and managed locker facility support for customers.

Loan Registration Documentation Customer Service KYC Regulatory Compliance Locker Facility Management