• Evaluating applications with average ticket size INR 25-30 Lacs and highest INR 4.67 Crores (Business Loans)• Checking credit worthiness of the applicant through various checks and analysis• Underwriting Mortgages, Education Loans and Auto Loans• Conducting ratio, trend, price-volume and variance analysis for risk assessment• Generating business for asset & liability at zero cost through underwriting and references• Examining GST returns through external site (Karza) and bank statement scrutinization• Conducting reference check from Business Associates and validating with financial institution to improve credit• Following up with clients to manage debt settlements and loan renewals• Negotiating loan terms with clients and monitoring payments• Training Sourcing Team, Branch Team, Sales Team and direct Sourcing Agency (DSA)

• Administered manufacturing garments and textile trading• Managed accounts, sales and manufacturing processes• Directed GST implementation and handled cost determination department

• Performed statutory and internal audit and support manager in handling taxation matters• Conducted variance analysis during statutory audit and analysed financial statements