Pooja Mishra
Gurugram
Summary
Strategic Senior Underwriter with over 6 years of experience in NBFCs, banks, and fintech, specializing in supply chain finance and loan structuring. Skilled in credit risk assessment, financial analysis, and collateral evaluation, with a history of enhancing credit policies to boost profitability while managing risk. Committed to driving company growth through effective organizational and time management skills.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Senior underwriter- Credit & Risk
Concentrix
05.2025 - Current
- Evaluated and underwrote high-value credit proposals for supply chain finance, invoice financing, and SME loans.
- Prepared detailed credit appraisal memoranda for high-ticket lending cases, ensuring thorough analysis.
- Conducted financial statement analyses to pinpoint early warning signs in credit risk, facilitating proactive risk management.
- Analyzed bank statements and CIBIL reports to refine credit evaluations, aiding in risk assessment.
- Specialized in underwriting to detect signals that minimize potential losses.
- Produced comprehensive credit reports that informed lending decisions, contributing to robust credit risk management.
- Acted as underwriting specialist, proactively detecting early warning signals and mitigating high-risk exceptions.
Credit Risk Officer
Indifi Technologies Private Limited
Gurugram
01.2022 - 05.2025
- Analyzed and maintained credit risk models, including probability of default, exposure at default, and loss given default.
- Aligned underwriting frameworks with regulatory standards to enhance complex credit assessments.
- Implemented risk assessment techniques to detect fraud indicators and deny suspicious applications.
- Acted as underwriting specialist, proactively identifying early warning signals to mitigate high-risk exposures.
- Evaluated loan applications by assessing liquidity ratios, leverage, and credit history for risk determination.
- Scrutinized applications along with CIBIL and financial statements before assigning to lenders.
- Standardized underwriting checks for invoice financing and supply chain finance, reducing manual escalations and improving TAT.
- Underwrote SME and business loans, averaging ticket size of ₹50 lakh, including supply chain finance.
Credit Officer
Chqbook
Gurgaon
09.2020 - 12.2021
- Conducted comprehensive financial statement analysis and ratio evaluation to assess MSME creditworthiness.
- Developed financial models to predict credit performance and enhance underwriting accuracy.
- Analyzed credit information for existing and prospective clients, including KYC checks and bank statement reviews.
- Monitored EMI servicing behavior through bank statements to identify repayment discipline.
- Calculated FOIR and repayment capacity using verified income and banking data.
Education
B.Tech - computer science
MIT Purnea, BNMU
Purnea, BiharSkills
- Commercial Underwriting
- Consumer Credit Analysis
- Credit Bureau Analysis (CIBIL Experian)
- CAM Preparation (Credit Appraisal Memoranda)
- CAM preparation
- Risk Assessment
- Risk assessment
- Collateral evaluation
- Financial analysis
- Portfolio risk management
- Advanced Microsoft Excel
- SQL
- Bank statement analysis
- Supply chain financing
Awards
Star Performer at Indifi Technologies
Languages
- English
- Hindi
Certification
AML & KYC Analyst
Accomplishments
- Reduced credit decision TAT and manual escalations by 22%
- Led underwriting standardization for Supply Chain & Invoice Financeproducts, improving approval accuracy
Timeline
Senior underwriter- Credit & Risk
Concentrix
05.2025 - Current
Credit Risk Officer
Indifi Technologies Private Limited
01.2022 - 05.2025
Credit Officer
Chqbook
09.2020 - 12.2021
B.Tech - computer science
MIT Purnea, BNMU