Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
Timeline
Generic

Saurabh Jaiswal

Summary

Experienced Senior Credit Analyst at Finnable Credit Private Limited, with 3 years of expertise in personal loan underwriting and unsecured credit risk management. Skilled in credit bureau analysis, income assessment, fraud detection, and early warning signals to ensure portfolio quality. Proficient in LOS/LMS systems, MIS reporting, and mentoring teams to drive effective credit decision-making.

Overview

3
3
years of professional experience

Work History

Senior Credit Analyst

Finnable Credit Private Limted
Bengaluru
02.2023 - Current
  • Underwrite loans within 30 minutes, achieving an approximately 80% approval rate with less than 1% delinquency.
  • Assess unsecured personal loan applications applying NBFC underwriting norms and risk parameters.
  • Analyze credit bureau reports (CIBIL/Experian/Equifax/CRIF) and financial statements to determine eligibility.
  • Detect fraud indicators and behavioral risks by verifying documents, employers, and multiple inquiries.
  • Utilize LOS, LMS systems, and Excel, MIS reporting to monitor portfolio performance and risk trends.
  • Mentor junior underwriters to enhance credit quality, speed, and decision-making efficiency.

Financial Analyst Intern

Crownit (GoldVIP)
Gurugram
07.2022 - 08.2022
  • Configured, maintained, and performed routine backups on data from various sources to support Finance Manager.
  • Assisted in organizational account management responsibilities under direct supervision.
  • Prepared research reports utilizing financial tools for enhanced decision-making.

Education

MBA - Finance And Operations

GD Goenka University
Gurugram
06-2023

Bachelor of Commerce - Accounting, Business, Economics

University of Lucknow
Lucknow, UP
08-2021

12th - Commerce

DAV Sr Sec Public School
Sonbhadra, UP
05-2018

Skills

  • Credit risk assessment
  • Credit bureau analysis
  • Portfolio management
  • Fraud detection
  • Lending regulations
  • Judgmental lending
  • Underwriting
  • Portfolio monitoring
  • Data management

Accomplishments

  • Awarded “Top Performer” twice at Finnable for consistently exceeding credit appraisal accuracy, risk management standards, and portfolio quality benchmarks.

Languages

Hindi
First Language
English
Proficient (C2)
C2

Timeline

Senior Credit Analyst

Finnable Credit Private Limted
02.2023 - Current

Financial Analyst Intern

Crownit (GoldVIP)
07.2022 - 08.2022

MBA - Finance And Operations

GD Goenka University

Bachelor of Commerce - Accounting, Business, Economics

University of Lucknow

12th - Commerce

DAV Sr Sec Public School

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Saurabh Jaiswal