SATYAM SAHUKAR
Team Lead
Jabalpur
Summary
Banking professional with 7+ years of experience in unsecured lending, credit risk assessment, and corporate banking operations. Expertise in evaluating credit documentation, identifying risk exposure, and supporting FIG and Corporate client portfolios through effective operational and risk control processes. Proven ability to manage complex workflows with high accuracy in fast-paced environments while ensuring compliance and operational efficiency. Skilled in stakeholder management, process improvement, and adapting to evolving banking systems and regulatory requirements.
Overview
9
9
years of professional experience
3
3
Certificates
6046
6046
years of post-secondary education
Work History
Team Lead
JP Morgan Chase & Co
Bengaluru, India
09.2022 - Current
- Lead end-to-end processing and review of credit proposals, client onboarding data, and documentation for FIG and Corporate Banking clients while ensuring compliance with internal policies and regulatory requirements.
- Perform due diligence, credit risk assessments, portfolio reviews, and exception handling activities to identify operational and financial risk exposures and support effective risk mitigation.
- Collaborate with Credit, Risk, Compliance, and Operations teams to resolve exceptions, strengthen operational controls, and ensure adherence to KYC/AML guidelines and internal governance standards.
- Manage client data maintenance activities, including merging, purging, branching, and de-branching within banking systems, while maintaining high levels of accuracy, data integrity, and process control.
- Prepare and analyze weekly, monthly, and quarterly MIS, and risk reports to support portfolio monitoring, management reporting, and business decision-making processes.
- Conduct quality assurance reviews through random sampling of approximately 30% of team deliverables to ensure quality control, mitigate operational and credit risk, and maintain high accuracy standards.
- Deliver KT sessions, train new joiners, and act as a SPOC for process-related queries, escalations, and stakeholder coordination across cross-functional teams.
- Monitor team productivity (approximately 80%), maintain error rates below 5%, ensure timely delivery within defined TAT, and identify process improvement opportunities to enhance operational efficiency, and risk control measures.
Senior Credit Analyst
Finnable Technologies Private Limited
Bengaluru, India
11.2020 - 09.2022
- Conducted credit underwriting and financial analysis for unsecured loan applications in line with internal credit policies and risk assessment frameworks, while managing high-volume cases within defined TAT.
- Analyzed 25–30+ customer applications daily, including ITRs, bank statements, salary slips, balance sheets, and bureau reports, to assess repayment capacity, eligibility, and overall creditworthiness.
- Performed telephonic personal discussions (Tele-PD) and profile assessments to validate customer information, strengthen credit evaluation, and support accurate lending decisions.
- Identified potential fraud cases, documented discrepancies, and policy deviations through detailed verification and due diligence, while ensuring 100% adherence to KYC, AML, and internal compliance standards.
- Prepared detailed credit appraisal reports and coordinated with Risk, Sales, and Operations teams to support smooth loan processing, approval, and disbursement activities.
- Managed the end-to-end credit assessment lifecycle from application login to final approval, maintaining high accuracy levels, and ensuring timely service delivery in a fast-paced environment.
Senior Credit Analyst
Finnable Technologies Private Limited
Bengaluru, India
11.2020 - 09.2022
- Conducted credit underwriting and financial analysis for unsecured loan applications in line with internal credit policies and risk assessment frameworks, while managing high-volume cases within defined TAT.
- Analyzed 25–30+ customer applications daily, including ITRs, bank statements, salary slips, balance sheets, and bureau reports, to assess repayment capacity, eligibility, and overall creditworthiness.
- Performed telephonic personal discussions (Tele-PD) and profile assessments to validate customer information, strengthen credit evaluation, and support accurate lending decisions.
- Identified potential fraud cases, documented discrepancies, and policy deviations through detailed verification and due diligence, while ensuring 100% adherence to KYC, AML, and internal compliance standards.
- Prepared detailed credit appraisal reports and coordinated with Risk, Sales, and Operations teams to support smooth loan processing, approval, and disbursement activities.
- Managed the end-to-end credit assessment lifecycle from application login to final approval, maintaining high accuracy levels, and ensuring timely service delivery in a fast-paced environment.
Credit Manager
Indiabulls Consumer Finance Ltd
Bengaluru, India
05.2018 - 07.2020
- Performed underwriting and credit evaluation of loan applications for salaried clients in accordance with internal credit policies and underwriting norms.
- Conducted detailed due diligence of application forms and supporting documents, including KYC, financials, CIBIL reports, and other compliance documents, through internal systems, government portals, and third-party verification processes.
- Assessed client loan eligibility based on financial analysis, credit history, repayment capacity, and organizational lending guidelines.
- Carried out qualitative credit risk assessments through telephonic and face-to-face interactions to evaluate customer profiles, financial behavior, and borrowing requirements.
- Prepared detailed credit appraisal reports covering the applicant's profile, employment history, family background, financial position, and credit history to support loan approval decisions while maintaining error rates below 5%.
Sales & Marketing Representative
Oysterconnect.com
Bengaluru, India
04.2017 - 06.2017
- Completed a three-months internship at OysterConnect, contributing to two live projects for Nestlé, Maggi, and TripAdvisor.
- Worked on vendor engagement activities for the Nestlé Maggi project, focusing on increasing product adoption and business outreach across food outlets and vendors.
- Supported co-branding and partnership initiatives for the TripAdvisor project by collaborating with hotels and restaurants, maintaining strong customer ratings (4+) across digital platforms, including Google, TripAdvisor, and Zomato.
Education
Post Graduation Diploma In Management - Finance
Ramaiah Institute of Management
Bangalore03-2018
Bachelor of Commerce -
St. Aloysius College
Jabalpur05-2015
Schooling (10th & 12th) -
Maharashtra Higher Secondary School
Jabalpur03-2012
Skills
Credit Risk Assessment Corporate Banking Operations Credit Underwriting Process Improvement Stakeholder Management Quality Assurance Team Leadership Credit Documentation Review Exception Handling
Certification
AML/KYC Compliance Officer- V-skill- 2020
Timeline
Team Lead
JP Morgan Chase & Co
09.2022 - Current
Senior Credit Analyst
Finnable Technologies Private Limited
11.2020 - 09.2022
Senior Credit Analyst
Finnable Technologies Private Limited
11.2020 - 09.2022
Credit Manager
Indiabulls Consumer Finance Ltd
05.2018 - 07.2020
Sales & Marketing Representative
Oysterconnect.com
04.2017 - 06.2017
Post Graduation Diploma In Management - Finance
Ramaiah Institute of Management
Bachelor of Commerce -
St. Aloysius College
Schooling (10th & 12th) -
Maharashtra Higher Secondary School
Projects
Final year Project, 10/01/17 to 01/01/18, The research objective is to ascertain the effect of determinants on the ROE of selected IT companies and examine the relationship between return on equity and determinants.