About
Credit-focused banking professional with 4+ years of hands-on experience in retail and MSME credit underwriting, portfolio monitoring, and regulatory compliance at The Kalupur Commercial Co-Operative Bank Ltd. Demonstrated expertise in financial analysis, CIBIL assessment, income evaluation, and secured lending documentation. Proven ability to manage end-to-end credit appraisal processes while ensuring strict adherence to RBI guidelines and internal risk frameworks. Skilled in identifying credit risks, assessing repayment capacity, structuring loan proposals, and maintaining asset quality across diverse loan products including Housing Finance, LAP, Auto Loans, Personal Loans, and MSME Advances. Seeking to leverage deep underwriting and credit risk capabilities within a Bank or NBFC credit function to drive portfolio quality and business growth.
Experience3
Office Assistant – Credit Department
Jul 2022 — PresentThe Kalupur Commercial Co-Operative Bank Ltd
Performing end-to-end credit underwriting for various loan types including housing finance, LAP, auto loans, personal loans, and MSME advances by evaluating borrower profiles, income, and repayment capacity. Analyzing CIBIL reports, bank statements, ITRs, salary slips, and audited financials to determine creditworthiness. Drafting credit notes and eligibility assessments, ensuring collateral security with mortgage and legal scrutiny documents. Maintaining 100% compliance with internal policy and RBI regulations, monitoring portfolio performance and early warning signals, and preparing MIS reports. Contributed to reducing credit turnaround time and cross-selling credit-linked insurance products.
Founder – Financial & Insurance Advisory Services
Dec 2021 — Jul 2022Bhakti Associates
Managed retail financial advisory and insurance portfolio management services for individual clients. Cleared IRDAI certification and provided risk coverage optimization, policy structuring, premium management, and renewal planning. Delivered KYC and documentation services ensuring regulatory compliance under IRDAI norms. Developed skills in client financial profiling and risk assessment.
Aadhaar Enrollment Supervisor – AMC Project
Sep 2020 — Dec 2021Parshvnath Infotech
Supervised KYC documentation and biometric identity verification for Aadhaar enrollment, ensuring compliance with UIDAI standards. Maintained accuracy, audit readiness, and regulatory adherence across high-volume citizen documentation services.
Education1
Bachelor of Commerce (Honours)
2019Faculty of Commerce, GLS University, Ahmedabad