Summary
Overview
Work History
Education
Skills
Timeline
Generic

Azhar Shaikh

Mumbai

Summary

Experience in credit underwriting of secured and unsecured loans in NBFCs, in areas Punjab, Chandigarh, Himachal Pradesh, and J&K.

Overview

4
4
years of professional experience

Work History

Credit Manager

Tata Capital Limited (Tata Motors Finance Limited Merged with Tata Capital Limited)
Chandigarh
05.2025 - 06.2025
  • As a Credit Manager looking after the underwriting of used commercial vehicle loans, used car loans, and business loans.
  • Underwriting of the deals within the framework laid out by the company.
  • Providing decisions on the basis of assessment of risk and creditworthiness of the customers.
  • Approving or recommending the deals to the higher levels of authority.
  • Maintaining the portfolio in terms of quality business.
  • Maintaining the portfolio in terms of early delinquencies.
  • Visiting the customers prior to the decision to understand their business models.
  • Visiting the customers in case of delinquencies with sales and collection teams.
  • Making a tour of the branches every month that have been allocated by the company.

Zonal Credit Manager

Tata Motors Finance Limited
Chandigarh
04.2023 - 04.2025
  • As a Credit Manager looking after the underwriting of used commercial vehicle loans, used car loans, and business loans.
  • Underwriting of the deals within the framework laid out by the company.
  • Providing decisions on the basis of assessment of risk and creditworthiness of the customers.
  • Approving or recommending the deals to the higher levels of authority.
  • Maintaining the portfolio in terms of quality business.
  • Maintaining the portfolio in terms of early delinquencies.
  • Visiting the customers prior to decision to understand their business models.
  • Visiting the customers in case of delinquencies with sales and collection teams.
  • Making a tour of the branches every month that have been allocated by the company.

Intern

MOB & Associates (Chartered Accountants)
07.2022 - 09.2022
  • As an intern, I have worked in the following fields:
  • Bank audit.
  • Stock audit.
  • Statutory audit.
  • Income tax returns.
  • GST filings.

Intern

Rahul Duggal and Co. (ICWAI)
06.2021 - 03.2022
  • As an intern, I have worked in the following fields:
  • GST filings.
  • Cost Audit.
  • Accounting.

Education

Cost and Management Accountant - ICWAI

Institute of Cost and Management Accountant of India
07.2022

Skills

  • Underwriting
  • Financial analysis
  • Risk assessment
  • Critical thinking

Timeline

Credit Manager

Tata Capital Limited (Tata Motors Finance Limited Merged with Tata Capital Limited)
05.2025 - 06.2025

Zonal Credit Manager

Tata Motors Finance Limited
04.2023 - 04.2025

Intern

MOB & Associates (Chartered Accountants)
07.2022 - 09.2022

Intern

Rahul Duggal and Co. (ICWAI)
06.2021 - 03.2022

Cost and Management Accountant - ICWAI

Institute of Cost and Management Accountant of India

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Azhar Shaikh