Megha Dubey
Summary
Credit Risk and Underwriting professional with over 3 years of experience across Personal Loans and Education Loans, managing credit exposures ranging from INR 1lac to INR 1.5 crore. Skilled in cash flow–based credit appraisal, financial statement analysis, bank statement assessment, GST analysis, and bureau risk evaluation for SME, retail, and corporate borrowers across manufacturing, trading, and service sectors. Proficient in policy-driven underwriting, repayment capacity assessment, and financial ratio analysis.
Overview
4
4
years of professional experience
Work History
Assistant Credit Manager
Incred Financial Services
Delhi
10.2025 - Current
- Handled education loan applications ranging from INR 20 lakhs to INR 1.5 crore by conducting detailed application analysis, interacting with students and co-applicants for profile assessment, and making informed credit decisions based on financial and eligibility evaluation.
- Examine income records, bank statements, and credit histories to determine the potential for repayment by the students, parents, and the co-applicant.
- Conduct detailed credit appraisal and risk assessment in line with company credit policies and regulatory guidelines.
- Analyzed 12 months of bank statements via Perfios and Account Aggregator, assessing banking throughout, bounce behavior, fund flows, cash concentration, and early stress indicators
- Ensure timely sanction and disbursement of education loans, while maintaining service quality standards.
- Performed financial statement and cash-flow analysis using audited financials.
- Executed KYC and fraud risk checks, including Aadhaar, PAN, MCA and UDYAM verification.
- Generating the CAM and conducting a detailed case analysis while coordinating closely with sales, operations, and compliance teams to ensure policy-aligned underwriting, timely approvals, and smooth disbursement execution.
Credit Analyst
Finnable Credit Private Limited
Bangalore
02.2023 - 07.2025
- Evaluated the creditworthiness of salaried individuals, self-employed professionals, sole proprietors, partnership firms, and NRI applicants for Personal Loans.
- Conducted a comprehensive assessment of income and repayment capacity using ITRs, Form 16, Form 26AS, TRACES data, GST returns, and declared cash flows to evaluate income stability, financial credibility, and borrower intent.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Maintained strong turnaround time (TAT) and approval rate performance while ensuring a high level of accuracy and minimal error rates
- Analyzed 3–6 months of bank statements to evaluate salary credits and business inflows, EMI obligations, FOIR, cheque bounce trends, cash withdrawal patterns, and overall banking discipline to assess financial stability and repayment behavior.
- Underwrote over 1,000 loan files per month while maintaining high accuracy and turnaround time (TAT) standards, contributing to monthly disbursements exceeding INR 200 crore.
Intern
Safalta Education Pvt. Ltd.
06.2022 - 07.2022
- Worked as a Placement Operations Intern.
- Handled more than 250 students and prepared them for their final interviews.
- Connected with multiple CEOs and HR representatives of the company over email regarding the vacancy.
- Recognised as Best Intern.
- Sorted and organized files, spreadsheets, and reports in Excel.
Education
MBA - Operations
GD Goenka University
Gurgaon07-2023
BBA - Finance
ITM University
Gwalior07-2020
Skills
- Credit Risk Assessment and Underwriting
- Cash Flow and Repayment Capacity Analysis
- Financial Statement Analysis
- Credit Bureau Analysis DPD Enquiry Trends Vintage
- CAM Preparation
- Policy-Based Underwriting
- Fraud Risk and Document Validation
Languages
English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Timeline
Assistant Credit Manager
Incred Financial Services
10.2025 - Current
Credit Analyst
Finnable Credit Private Limited
02.2023 - 07.2025
Intern
Safalta Education Pvt. Ltd.
06.2022 - 07.2022
BBA - Finance
ITM University
MBA - Operations
GD Goenka University