VKVarsha Kushwaha
@varshakushwaha
Experienced credit professional specializing in working capital assessment and loan underwriting.
IndiaWhat I'm looking for
I am a seasoned credit manager with progressive experience across banking and consumer finance, focused on assessing working capital facilities, underwriting proposals, and managing credit portfolios. I consistently prepare detailed credit appraisal memos, financial analyses, and present cases for approval while ensuring adherence to policy and TAT requirements.
My background includes roles at a major bank and financial services firms where I handled cash credit, overdrafts, term loans, PCFC, LC, bank guarantees, personal loans, business loans, and LAP; coordinated with legal and vendor partners; and maintained portfolio MIS and reporting. I engage directly with customers through personal discussions and site visits to validate creditworthiness and collateral.
I bring a practical, process-driven approach to credit risk assessment, combined with hands-on experience in vendor management, TAT control, and meeting sanction/target responsibilities. I am committed to accurate financial analysis and timely decisioning to support business growth while safeguarding asset quality.
Experience
Work history, roles, and key accomplishments
ABCredit Manager
Axis Bank
Apr 2022 - Present (3 years 9 months)
Assess and underwrite working capital facilities (CC, OD, TL, PCFC, LC, BG), prepare CAMs and financial analyses, and recommend cases for approval while managing vendor coordination and TAT to ensure timely processing.
Credit Manager
PayMe India
Mar 2018 - Mar 2019 (1 year)
Assessed salaried and self-employed applicants, assigned lines of credit, and managed credit division targets and sanctioned amounts to meet business objectives.
Credit Relationship Manager
HDB Financial Services
Jun 2016 - Feb 2018 (1 year 8 months)
Underwrote PL, BL and LAP loan proposals, prepared CAMs and financial analyses, conducted customer discussions and collateral visits, and managed portfolio MIS and vendor/TAT performance.
Education
Degrees, certifications, and relevant coursework
FLIP (Banking & Finance Fundamentals)
Professional Certification, Banking and Finance
2015 - 2016
Completed a Flip certification course in Banking & Finance Fundamentals between 2015 and 2016.
Jaipuria Institute of Management
Master of Business Administration, Marketing
Activities and societies: Winner of “Marketing by Numbers” in 3rd National Marketing Conclave; Core-Coordinator for Convocation Program 2014; participated in national seminars on the Union Budget.
Completed an MBA with a focus on Marketing from Jaipuria Institute of Management in 2016.
Agra College, Agra
Bachelor of Commerce, Commerce
Completed a Bachelor of Commerce (B.Com) from Agra College, Agra in 2014.
Air Force School, Agra
Higher Secondary Certificate, Commerce
Completed higher secondary education (12th) with Commerce stream from Air Force School, Agra in 2011.
Air Force School, Agra
Secondary School Certificate
Completed secondary education (10th) from Air Force School, Agra in 2009.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Job categories
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