SHIVAM KAUSHAL
Summary
Dynamic MBA Finance graduate with 6+ years of experience in credit underwriting, transitioning into a dedicated legal career following LLB completion (results awaited). This unique blend of financial acumen and legal training perfectly positions me for opportunities in corporate law, commercial litigation, or regulatory compliance. Proficient in risk assessment, due diligence, and regulatory frameworks, I am committed to driving impactful results in fast-paced legal environments.
Overview
7
7
years of professional experience
Work History
Manager - Retail Credit
HDFC Bank Ltd
New Delhi
01.2023 - 11.2025
- Executed live underwriting for real-time credit decisions, ensuring prompt condition clearance for sales and processing teams.
- Evaluated and authorized mortgage applications according to organizational standards.
- Conducted underwriting audits to verify adherence to internal policies, investor guidelines, and regulatory requirements.
- Reviewed loan files for accuracy and compliance with lending criteria, identifying defects and documentation gaps.
- Prepared and delivered audit reports to underwriters and leadership, enhancing overall underwriting quality.
Associate Specialist - Underwriting
BMTG Advisors India Private Limited
Gurgaon
05.2020 - 09.2022
- Evaluated borrower eligibility utilizing 4 C's framework in compliance with FNMA, FHLMC, and client guidelines.
- Conducted comprehensive credit risk analysis by verifying public records, liabilities, delinquency, and address histories.
- Audited complex income documentation, including corporate tax returns, W-2s, and pay stubs to analyze repayment capacity.
- Reviewed appraisal reports to validate property collateral value, structural eligibility, and regulatory compliance.
Senior Relationship Manager
ICICI Securities Limited
New Delhi
05.2019 - 03.2020
- Executed strategic sales plans that aligned initiatives with business objectives, resulting in increased revenue growth.
- Developed strong client relationships to uncover opportunities for additional services, enhancing overall engagement.
- Provided timely solutions that elevated customer satisfaction metrics through proactive support.
Education
Bachelor of Laws - Corporate Law And IT Act
CCS University
Meerut05-2026
MBA - Finance and Marketing
ICFAI Business School
Gurgaon01-2019
B.COM Hons - Finance and Marketing
Guru Govind Singh Indraprastha University
New Delhi01-2017
Skills
- Legal Research and Analysis
- Contract Drafting & Review
- Corporate Due Diligence
- Retail Credit Regulations
- Regulatory Compliance
- Credit Risk Assessment
- Portfolio Performance Analysis
Languages
- English
- Hindi
Personal Information
- Date of Birth: 07/17/95
- Nationality: INDIAN
- Marital Status: Single
Locations
- Ghaziabad, Uttar Pradesh, 201001
Achievements
- Successfully evaluated over 300+ high-value credit portfolios quarterly while maintaining a near-zero documentation error rate.
- Consistently reduced file turnaround time (TAT) by 20% quarter-over-quarter by optimizing the credit compliance checklist.
- Maintained a 100% compliance rate across consecutive regulatory audits through flawless document verification.
- Spearheaded the training and onboarding of 5 junior analysts on updated financial regulatory guidelines and risk assessment frameworks.
Extracurricular Activities
- Associated with locally established NPO and completed drives such as distributing books, stationary, clothes.
- Awarded many times in sports and cultural activities in school.
- Travelling, Photography.
Timeline
Manager - Retail Credit
HDFC Bank Ltd
01.2023 - 11.2025
Associate Specialist - Underwriting
BMTG Advisors India Private Limited
05.2020 - 09.2022
Senior Relationship Manager
ICICI Securities Limited
05.2019 - 03.2020
Bachelor of Laws - Corporate Law And IT Act
CCS University
MBA - Finance and Marketing
ICFAI Business School
B.COM Hons - Finance and Marketing
Guru Govind Singh Indraprastha University