Summary
Overview
Work History
Education
Skills
Interests
Projects
Timeline
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APRAJEY TIWARI

Risk Mitigation Specialist | Financial Risk & Credit Analysis
New Delhi

Summary

Results-oriented Risk Management Specialist with proven expertise in credit process analysis, default profiling, and financial documentation evaluation. Skilled in Excel, SQL, and regulatory compliance. Currently leading credit process functions at Credit Saison India and contributing to financial risk strategies with strong analytical acumen.

Overview

3
3
years of professional experience
2026
2026
years of post-secondary education

Work History

Assistant Manager – Credit Process

Credit Saison India
New Delhi
02.2025 - Current
  • 9Leading end-to-end credit evaluation process under Risk & Analytics vertical.
  • Analyzed and evaluated applicant creditworthiness using CIBIL reports, bank statements, GST data, and income documents.
  • Conducted root cause analysis projects on loan defaulters to identify behavioral and financial red flags founded 9+ defaulters.
  • Designed data-driven risk assessment reports and presented actionable insights to leadership.
  • Ensured compliance with RBI norms and internal credit policy frameworks.
  • Supported underwriting and credit policy teams with structured financial reports using Excel, pivot tables, Power Query & VBA.
  • Collaborated with cross-functional departments to reduce delinquency and improve approval accuracy.

Risk Management Specialist

PayU Payments Pvt. Ltd.
Gurgaon
08.2024 - 02.2025
  • Supported financial compliance and fraud monitoring for consumer lending.
  • Managed daily risk alerts and decision-making using SQL and Excel-based dashboards.
  • Ensured adherence to KYC/AML norms and reduced potential default triggers via proactive case audits.
  • Assisted in refining internal credit policy workflows.
  • Supported 10+ member risk management team with multifaceted administrative assistance such as organizing and transmitting records.

Customer Support Representative – Risk Process (Non-Voice)

Startek Inc.
Remote
09.2023 - 06.2024
  • Delivered high C-SAT through prompt, empathetic customer resolution across financial service processes.
  • Worked as SME (Subject Matter Expert) handling escalated queries and assisting audit checks 2+ teams.
  • Developed communication efficiency via Outlook, while sharpening active listening and problem-solving.

Customer Support Representative – Risk Process (Non-Voice)

Teleperformance Pvt. Ltd.
Indore
05.2022 - 06.2023
  • Maintained comprehensive knowledge of products and services, ensuring accurate information was provided to 50+ customers on daily basis.
  • Utilized CRM tools effectively to track customer interactions, maintain records, and provide personalized assistance when needed.

Education

Bachelor of Commerce - Foreign Trade

Atal Bihari Vajpayee Arts & Management
Indore, M.P
01.2021 - Current

Higher Secondary -

Christa Jyoti Mission Higher Secondary CBSE Board School
Shahdol, India
01-2021

Skills

  • Credit Risk Assessment

  • Loan Underwriting

  • Default Profiling

  • Internal Audit & Control Evaluation

  • Personal & Business Loan Credit Evaluation

  • Regulatory Compliance (RBI, KYC/AML)

  • Financial Statement Review

  • CIBIL & Banking Data Interpretation

  • GST Return & ITR Analysis

  • SQL for Data Extraction

  • MS Excel data analysis skills

Interests

Financial Analytics
Business Strategy
Credit Scoring Models
Fintech Innovations
Behavioral Economics

Projects

Root Cause Analysis of Loan Defaults – Credit Saison India,

Conducted a detailed investigation into borrower behavior and financial patterns leading to default., Extracted and analyzed datasets across CIBIL scores, banking transactions, and GST filings., Identified key indicators of default such as income-to-loan mismatch, bounced EMI patterns, and irregular filings., Created visual dashboards and summary reports for internal policy improvement discussions., Recommended structural changes in loan evaluation and follow-up processes.

Timeline

Assistant Manager – Credit Process

Credit Saison India
02.2025 - Current

Risk Management Specialist

PayU Payments Pvt. Ltd.
08.2024 - 02.2025

Customer Support Representative – Risk Process (Non-Voice)

Startek Inc.
09.2023 - 06.2024

Customer Support Representative – Risk Process (Non-Voice)

Teleperformance Pvt. Ltd.
05.2022 - 06.2023

Bachelor of Commerce - Foreign Trade

Atal Bihari Vajpayee Arts & Management
01.2021 - Current

Higher Secondary -

Christa Jyoti Mission Higher Secondary CBSE Board School

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APRAJEY TIWARIRisk Mitigation Specialist | Financial Risk & Credit Analysis