Rishabh Chawla
Gurugram
Summary
Dynamic Senior Credit Underwriting Manager with a proven track record at L&T Finance Ltd, excelling in financial analysis and decision-making. Expert in evaluating risk and enhancing portfolio quality, leveraging strong teamwork and adaptability to drive business success. Adept at managing complex loan assessments and implementing effective underwriting policies.
Overview
7
7
years of professional experience
Work History
Senior Credit Underwriting Manager
L&T Finance Ltd
05.2024 - Current
- Responsible for underwriting of Unsecured Business Loans of up to Rs. 75 Lacs with an approving authority of 25 Lacs.
- Evaluated competitor products, services, rates, or strategies to remain competitive in marketplace.
- Mentored junior underwriters in best practices, contributing to their professional development within the organization.
Credit Manager
Aditya Birla Finance Limited (Aditya Birla Capital)
12.2022 - 04.2024
- Underwritten and assessed unsecured business loan up to 1Cr.
- Conducted due diligence discussions with potential clients to review their business, financials, risk involved and managing quality of portfolio
- Approved or rejected loan requests based on facts like credibility and potential
- Responsible for preparing branch's portfolio dashboard and delinquency dashboard
Credit Manager-Deputy Manager
Yes Bank Ltd
01.2021 - 12.2022
- Appraised business loan cases of up to 60 lacs with an approving authority of 25Lacs.
- Assessed credit risk by reviewing customer financial statements and credit reports.
- Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
- Participated & conducted research to determine efficiency of existing policy and procedures.
Credit Manager
ECL Finance Ltd
01.2018 - 01.2021
- Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities
- Underwrite proposals as per the laid down policies and manage business volumes
Education
Graduate Diploma in Professional Accounting -
Unitec Institute of Technology
07-2017
Bachelor in Commerce -
University of Delhi
06-2016
Skills
- Financial Analysis
- Risk reporting and monitoring
- Microsoft Office
- Relationship building and Management
- Interpersonal Communication
- Goal and Deadline Oriented
- Credit analysis
Languages
English
Hindi
Punjabi
Timeline
Senior Credit Underwriting Manager
L&T Finance Ltd
05.2024 - Current
Credit Manager
Aditya Birla Finance Limited (Aditya Birla Capital)
12.2022 - 04.2024
Credit Manager-Deputy Manager
Yes Bank Ltd
01.2021 - 12.2022
Credit Manager
ECL Finance Ltd
01.2018 - 01.2021
Graduate Diploma in Professional Accounting -
Unitec Institute of Technology
Bachelor in Commerce -
University of Delhi
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