Sathi Guha Email & Phone Number

United Arab Emirates

United Arab Emirates

Managing the secured lending unit of Credit Underwriters, Credit Initiation and Disbursement with help of Assistant Managers

Dubai, United Arab Emirates

 Entrusted with the responsibility of managing a dedicated portfolio of companies from UAE with a turnover ranging from USD 10 Million to USD 250 Million. Identifying any emerging credit risk by conducting counter party analysis, determining internal risk rating and regular monitoring of counter party performance. Conducting due diligence of fresh as well as annual renewal credit proposals and determining degree of credit risk involved.

Dubai, Uae

 Responsible for equipment financing, fleet financing and SME loans and managing the complex credit risk analysis for new and existing relationships (Avg. ticket size AED 5-10 MM). Determining the risk associated with equipment/fleet aging and calculating the depreciation of the asset value over time Responsible for underwriting loans for mortgage by evaluating loan documents and managing manage credit initiation. Scrutinizing and analyzing applicants' financial status, credit and property evaluations to determine feasibility of granting loans.

Gujarat, India

 Organizing and managing Personal Loans, Auto Loans and Cards across northern Gujarat through a team of 20 members engaged in managing retail credit lending and disbursement.  Guiding CIU officers for Data Entry, Phone Verification and Pre-evaluation activities. Carrying out periodic review of CIU Processes and Policies to ensure strict adherence to the established guidelines and policies. Responsible for formulation and implementation of Credit Underwriting Processes and Procedures for the Credit Card & Loan Products