Diligent, proactive, and process-oriented Credit Manager carrying over 9 years of experience in Banking & Finance sector with expertise in risk analysis, credit evaluation, portfolio management, branch operations, customer service, underwriting, asset-based lending, loan servicing and Sales.Expert at carrying out high-quality credit analysis, identifying risks related to borrower operations, industry/sector, collateral, etc. and recommending appropriate loan grades to the most complex credit requests. Few of my noteworthy contributions include :• Seasoned credit underwriter, overlooking 60Cr worth business volume monthly across 200+ clients.• Recognized for having the with least NPA across the team - 0.57% for AY 2019 – 2020, 1.13% for AY 2018 – 2019 and 1.2% AY 2017 – 2018. • Spearheaded the successful launch of Education loan product across Axis bank, currently managing dual products – home loan & Education Loans. • Orchestrated a team of 28 members across operations and sales functions. Disciple of Hindustani Classical Music, a firm believer and practitioner of meditation and its benefits in staying focused and calm under high pressure situations, passionate about exploring different places and cultures with a love for travelling.