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
Similar Profiles
Prabhakar BadatyaPrabhakar Badatya
Assistant Manager - Information Technology at Tata Motors Finance Limited (now part of Tata Capital Ltd)Assistant Manager - Information Technology at Tata Motors Finance Limited (now part of Tata Capital Ltd)
Simran BhurraSimran Bhurra
Customer Relations Executive at Tata Capital Housing Finance LimitedCustomer Relations Executive at Tata Capital Housing Finance Limited
ARUN KUMAR SALLOJUARUN KUMAR SALLOJU
Technical Manager at Tata Capital Housing Finance LimitedTechnical Manager at Tata Capital Housing Finance Limited
RONAK JAINRONAK JAIN
Process Improvement Analyst- Customer Operations at IAGL LtdProcess Improvement Analyst- Customer Operations at IAGL Ltd
Hardik ShahHardik Shah
Representative - South Asia at EHL Hospitality Business SchoolRepresentative - South Asia at EHL Hospitality Business School