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