Vaishnavi garg

I am a Credit Manager and Chartered Accountant with experience in LAP mortgage underwriting for banks and NBFCs, having led credit analysis, risk evaluation, and loan sanction decisions using CIBIL, CRIF and Posidex. I managed end-to-end credit processing for SME and retail borrowers, collaborating with cross-functional teams to ensure documentation and timely disbursals. My roles at HDFC Bank and TATA Capital sharpened my underwriting judgment and operational ownership.

Earlier articleship work gave me a strong foundation in auditing, taxation, GST and financial reporting, including statutory and internal audits and Tally/BUSY accounting. I bring disciplined compliance, analytical rigor and practical software skills, and I am focused on roles where I can drive prudent lending and continued professional growth.