Kanika Sharma
New Delhi
Summary
Dynamic Credit Processing Analyst with proven expertise at Shivalik Small Finance Bank in processing commercial vehicle loans and verifying KYC documents. Adept at analyzing CIBIL reports to assess repayment capacity while ensuring compliance with credit policies. Recognized for innovative problem-solving and effective collaboration with cross-functional teams to enhance operational efficiency.
Overview
1
1
year of professional experience
Work History
Shivalik Small Finance Bank
Credit Processing Analyst
Okhla
01.2026 - Current
- Processed and verified loan applications with high accuracy
- Conducted KYC and financial document validation
- Reviewed CIBIL reports and flagged risk cases
- Ensured compliance with RBI and internal policies
- Coordinated with cross-functional teams to resolve discrepancies
- Maintained turnaround time and handled high-volume workload
Federal bank
CPA( Commercial Vehicle & Construction Equipment)
New Delhi
10.2024 - 09.2025
- Completed day-to-day duties accurately and efficiently.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Underwriting and entry of loan application in Federal Bank software (claps).
- Cress rating in claps which is under exposure 2cr of respective proposal.
- File checking and send first revert on mail.
- Maintain daily login Mis of North Zone.
- Prepare CAM sheet as per policy norms.
- Fl initiate to agency and follow up for same.
- Validation of all financer repayment track in CAM.
- Generating and analyzing CIBIL &CRILIC report.
- GSTR and Bank statement validation in Cam.
- Coordination with of FI/RCU agencies.
- Prepare documents for loan disbursement.
- Credit scoring model and their application.
- Knowledge of bank statement, statement of account, Data analysis.
Education
Diploma of Office Management
YMCA
Bachelor’s of Arts
UNIVERSITY OF DELHI
Master’s of Arts in Economics
IGNOU
E-Accounting
Sardar Patel Academy
Skills
- Processed commercial vehicle and construction equipment loan applications
- Verified KYC, business, and financial documents of self-employed customers
- Conducted asset verification including invoice, RC, and valuation checks
- Analyzed CIBIL reports and assessed repayment capacity
- Coordinated with dealers and field investigation teams
- Ensured compliance with credit policies and maintained TAT
Languages
English
Beginner
A1
Hindi
Beginner
A1
Affiliations
- Tally Prime Software
- MS-excel , MS-office , Internet
- Busy Software
- Knowledge of GST
- Knowledge of TDS & TCS
Timeline
Shivalik Small Finance Bank
Credit Processing Analyst
01.2026 - Current
Federal bank
CPA( Commercial Vehicle & Construction Equipment)
10.2024 - 09.2025
Diploma of Office Management
YMCA
Bachelor’s of Arts
UNIVERSITY OF DELHI
Master’s of Arts in Economics
IGNOU
E-Accounting
Sardar Patel Academy