Shashank Patil
Pune
Summary
Experienced credit professional with over 2 years in credit underwriting, portfolio risk management, and digital lending across NBFC and fintech platforms. Proven expertise in FOIR-based assessment, CIBIL analysis, and handling pre-approved home loan products, BNPL cases, and solar financing.
Overview
2
2
years of professional experience
Work History
Credit and Risk Executive / Underwriter
Earlysalary services private limited (fibe)
Pune
07.2024 - Current
- Evaluated creditworthiness of retail and solar loan applicants.
- Handled underwriting for BNPL (Buy Now, Pay Later) cases with real-time decisioning.
- Reviewed for income proofs, credit bureau reports (CIBIL/CRIF), and repayment behavior to mitigate risk exposure.
- Collaborated with the support and sales teams to refine credit rules and improve approval rates without compromising portfolio quality.
- Ensured compliance with internal credit policy, NBFC lending norms, and KYC/RBI regulatory frameworks.
Credit Officer
Bajaj Housing Finance
Pune
05.2023 - 06.2024
- As a Credit officer In BHFL I Am Responsible For Assessment Of Financial credit history of an applicant.
- Analysing Cibil Details as per policy norms.
- Analysing Income and Obligation parameters Using FOIR.
- Also Check Banking transactions and underwriting the case As per policy norms.
- Also Interacting with applicant with tele pd and hot Pd and collecting necessary Information to process the case.
- Assessed property appraisals, title histories and insurance information.
- Recommended approval or disapproval of different loan types based on established criteria.
- Collaborated closely with sales teams to understand their needs while ensuring sound risk management practices were followed.
- Ensured that all relevant documents were collected before making a decision about granting a line of credit.
- Prepared detailed reports summarizing customer profiles, risk assessments, and recommendations for approval and denial of new lines of credit.
Education
MBA - Finance
Csiber College
Kolhapur01.2023
B.Sc - Computer Science
VYMP Senior College
11.2020
Skills
- Understanding of financial ratios
- Analytical skills
- Credit analysis
- Credit evaluation
- Risk evaluatuon
- Microsoft excel
Personal Information
- Date of Birth: 27/03/1999
- Nationality: Indian
- Marital Status: Single
Languages
Marathi
Proficient
C2
Hindi
Proficient
C2
English
Proficient
C2
Timeline
Credit and Risk Executive / Underwriter
Earlysalary services private limited (fibe)
07.2024 - Current
Credit Officer
Bajaj Housing Finance
05.2023 - 06.2024
MBA - Finance
Csiber College
B.Sc - Computer Science
VYMP Senior College