About
Credit and lending professional with 3.2 years of experience in the NBFC sector, specializing in loan processing, credit assessment, and lending operations. Experienced in customer income/expense evaluation, financial document verification, KYC/CKYC, AML, and risk assessment. Skilled in coordinating with Credit, Sales, and Operations teams, validating loan data, and preparing MIS reports. Strong understanding of lending workflows, compliance requirements, and credit policies.
Skills & Expertise (20)
Work Experience
Credit Executive
Varthana Finance Pvt Ltd
Dec 2025 - Sep 2026
Handled credit assessment and financial analysis of loan applications by evaluating customer income, expenses, repayment capacity, and financial documents. Performed banking analysis by reviewing bank statements, transaction patterns, cash flows, and account conduct to assess customer financial stability. Conducted risk assessment by evaluating customer profiles, credit history, business/loan details, and identifying potential credit risk indicators. Reviewed CIBIL/credit bureau reports and identified repayment behavior, overdue accounts and credit-risk indicators. Verified KYC/CKYC, AML, and loan documentation in accordance with internal policies and regulatory requirements. Coordinated with Credit, Sales, and Operations teams for loan processing, data validation, case follow-up, and timely resolution of discrepancies. Prepared MIS reports and maintained accurate loan and customer records to support credit decisions and lending operations. Coordinated with Sales and Operations teams for clarification of credit documents and case processing.
Operations Executive
Varthana Finance Pvt Ltd
Jul 2023 - Sep 2025
Supported daily business operations for lending and loan processing applications. Gathered and documented business requirements for process improvements and system enhancements. Collaborated with Credit, Sales, Operations, and IT teams to resolve functional issues and improve business processes. Assisted in UAT activities by validating application functionality and reporting defects. Monitored loan processing workflows, identified operational bottlenecks, and recommended corrective actions. Ensured compliance with KYC, AML, and internal operational policies. Supported issue tracking, root cause analysis, and follow-up activities to ensure timely closure of business issues.
Education
B.com - Nagarjuna Degree College for Women (Yogi Vemana University)
2019 - 2022 · Afghanistan
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Skills (20)
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