A Chartered Accountant (CA) by qualification. I possess rich experience of more than 6 years in Credit Risk underwriting (SME Retail) with the leading bank IDFC First as an Area Credit Manager. Have acquired comprehensive knowledge of different systems like Finnone, BPM, SFDC. Possess an influential leadership and mentoring style emphasizing accountability and developing people to achieve performance excellence. Team handling experience of more than 2 years with successfully managing team of 5 credit managers.I have technical proficiency in assessing Financial statements and cashflow analysis and am CRISIL level 2 Certified. Both colleagues and senior leadership have repeatedly recognized me for my superb organizational capacity and proven ability to manage multiple demands.Additionally, I am multilingual in Hindi, English and Punjabi.I am seeking to continue my expertise where I can add value to any organization that I work with. I am willing to relocate and travel as required. Please feel free to contact me with any potential opportunities.