ROHIT SHIRSAT
Chembur
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
8
8
years of professional experience
Work History
Assistant Credit Manager
Niyogin Fintech Ltd.
Mumbai
08.2023 - Current
- Working under unsecured business loans and partnership lending businesses.
- Credit Risk Assessment: Analyze bank statements, bureau reports, and other related documents to assess credit risk and the financial health of the client.
- Credit evaluation: Provide recommendations based on credit score models and financial performance, ensuring the decision aligns with company policies and risk management guidelines.
- Understanding Financial Statements: Calculate and understand financial ratios, and evaluate the financial position of the borrower.
- Customer interaction: Communicate with clients to gather information and resolve queries related to credit assessments.
- TAT management: Accountable for completing tasks promptly while maintaining the quality of work.
- Responsible for underwriting partnership lending cases and approving them as per company policies.
- Monitored portfolio performance by evaluating delinquencies and other trends.
- Reviewed documents submitted by customers as part of the loan application process.
- Coordinated with internal departments to resolve customer inquiries or disputes about Bureau-related issues.
- Responsible for business loan collection X to BKT 2 for the Mumbai location.
Jr Credit Underwriter
KM Global Credit Pvt Ltd
Mumbai
05.2022 - 05.2023
- Working as a Jr. Credit Underwriter in education loans, medical loans, and EV loans.
- Underwriting credit risks and evaluating the creditworthiness of borrowers.
- Analyzing customer liability and credit history.
- Determining and documenting underwriting conditions, credit risks, and mitigating factors.
- Analyzing customer delinquency levels.
- Ensuring an appropriate level of due diligence and risk tolerance is applied in credit decisions.
- Coordinating with the sales ops team, ensuring smooth and quick decisions.
CPA (Credit Dept)
TEAMS SPACE FINANCIAL SERVICES PVT. LTD.
Mumbai
02.2019 - 05.2022
- Responsible for login files of business loans in the system as per the bank's policy.
- Verifying all documents according to the policy, preparing the eligibility sheet, and the CAM report of the customer.
- Responsible for allocating the files to the Credit Manager for decision-making.
- Responsible for underwriting personal loan files.
- Generate CIBIL report, additional match CIBIL report, and match dedup through customer information.
- Financial analysis with the help of ratio analysis, such as interest coverage and DSCR.
- Responsible for the personal loan login of restructuring files for existing customers, and underwrite the same as per the bank's policy.
- Checking and resolving the queries of personal, as well as business loan files.
- Coordinate with vendors and the operations team to resolve queries related to login files.
- Responsible for preparing all M.I.S. reports on a daily basis.
- Follow up with CPV agencies for customer verification.
Sampler (FCU Dept)
TRUTH FINDER PVT.LTD.
06.2018 - 02.2019
- Checking of documents provided by Customer for Personal Loan, UCL and Home Loan.
- Managing monthly MIS & trackers on Excel.
- Co-ordinating with Manager & providing proper follow up.
- Scrutiny of Fraud documents from source.
- Find fraud documents & sample for verification.
- Checking documents online by using trigger.
Sampler (RCU Dept)
DORUPO FINANCIAL PVT. LTD.
10.2017 - 05.2018
- Managing monthly MIS & trackers.
- Co-ordinating with Agency & providing follow up for Field Investigation Report.
- Scrutiny of Fraud documents from source.
- Find fraud documents & sample for verification.
- Checking documents provided by customers through trigger.
CPA & Operational Officer (Disburse Unit)
PAMAC FINSERVE PVT.LTD.
03.2017 - 09.2017
- Responsible for File Login in system given by Sales Team and tracking customer eligibility.
- Manage Credit, Operations Quality & Control delinquencies.
- Understanding Credit & Operational Policy process.
- Managing weekly & monthly MIS & trackers.
- Co-ordinating with Business team for resolving queries.
- Co-ordinating with Sales team for Business development activity.
Education
Post-Degree Certificate - Financial Management
University of Mumbai
other04-2025
B. COM (BAF) -
Mumbai University
Mumbai03.2016
H.S.C. -
Maharashtra State Board
Mumbai02.2013
S.S.C. -
Maharashtra State Board
Mumbai03.2011
Skills
- Microsoft Word
- Microsoft Excel
- Typing
- Computational skills
- Analytical skills
- Interpersonal skills
- Communication skills
- Continuous learner
- Time management
- Knowledge utilization
- Technology utilization
Languages
- English
- Hindi
- Marathi
Personal Information
- Date of Birth: 05/30/96
- Gender: Male
- Marital Status: Married
Other Qualifications
Completed the NUSSD course from TISS
Certified course completed for NISM, SEBI - Investor Certification Examination
Hobbies and Interests
- Playing cricket
- Watching web series
DECLARATION
I hereby declare that all the above information provided by me is correct and to the best of my knowledge
Date:
Signature Place: Mumbai
Timeline
Assistant Credit Manager
Niyogin Fintech Ltd.
08.2023 - Current
Jr Credit Underwriter
KM Global Credit Pvt Ltd
05.2022 - 05.2023
CPA (Credit Dept)
TEAMS SPACE FINANCIAL SERVICES PVT. LTD.
02.2019 - 05.2022
Sampler (FCU Dept)
TRUTH FINDER PVT.LTD.
06.2018 - 02.2019
Sampler (RCU Dept)
DORUPO FINANCIAL PVT. LTD.
10.2017 - 05.2018
CPA & Operational Officer (Disburse Unit)
PAMAC FINSERVE PVT.LTD.
03.2017 - 09.2017
Post-Degree Certificate - Financial Management
University of Mumbai
B. COM (BAF) -
Mumbai University
H.S.C. -
Maharashtra State Board
S.S.C. -
Maharashtra State Board
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