SHUVRA BERA
Mumbai
Summary
Accomplished Banking and Financial Services professional with expertise in credit underwriting, risk assessment and portfolio monitoring. Possessing over four years of experience, I have gained a profound understanding of evaluating creditworthiness of borrowers, mitigating credit risk, and recommending optimal credit solutions. My focus is on enhancing policies and processes to ensure compliance with regulations for effective credit monitoring and timely appraisals. Committed to conducting thorough due diligence on assigned credit proposals and fostering collaboration with cross-functional teams to streamline credit operations.
Overview
4
4
years of professional experience
1
1
Certification
Work History
GG7 Senior Executive-Credit Underwriting
PayU Finance India Private Limited
09.2024 - Current
- Managing Credit Approvals & Exception Approvals up to 7.5 Lac for Salaried & Self Employed borrowers.
- Approval ratio increased 15%-20% by developing the Credit Underwriting framework, Credit Administration Process for MSME segment by leveraging the Internal digital capabilities & fintech ecosystem while ensuring compliance checks & Regulatory guidelines.
- Providing feedback for Credit Policy, tracking of Early Warning System and Portfolio monitoring.
- Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
- Boosted operational efficiency through implementation of lean principles, resulting in reduced waste and improved production timelines.
Credit Manager-Unsecured Business Lending
Protium Finance Limited
02.2023 - 09.2024
- Conducted Credit Assessment for Unsecured Business lending ticket size up to 30L with an average productivity of 7 to 8 cases per day.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
- Built a high-performing credit management team with a strong focus on collaboration, accountability, and continuous development.
- Optimized underwriting processes through Data Science and streamlined workflows, resulting in a 33% reduction in Credit Turnaround Time (TAT) and increasing approval ratio from 35% to approx 45%.
Deputy Manager- Unsecured Assets
ICICI Bank
02.2021 - 02.2023
- Undertook comprehensive 360 Banking assessment of customers and offered right banking solutions.
- Orchestrated seamless coordination among Operations, Sales, and RCU departments to oversee end-to-end loan lifecycle management, resulting in increased loan approval efficiency.
- Monitored loan utilization, repayment capacity, adherence to policy/guidelines, and compliance checks.
Education
PGDM - Financial Management
Durgadevi Saraf Institute of Management Studies
Mumbai05.2021
B.Tech - Electronics And Communications Engineering
Calcutta Institute of Engineering And Management
Kolkata06.2019
Skills
- Credit underwriting
- Operations management
- Cross-functional team coordination
- Credit administration
Certification
- Executive Certificate Programme in Artificial Intelligence and Machine Learning for Business at Indian Institution of Management Bodh Gaya
- Credit Risk Analysis and Rating for Bankers-Udemy
- Code of Business Conduct and Ethics-PayU
- Privacy and Data Protection Essentials -PayU
Accomplishments
- Award of Excellence, Award of Excellence conferred for exemplary performance in Unsecured Business in January'23 at ICICI Bank.
- Founding Member of WINGS, Founding Member of 'WINGS-SUPPORT TO FLY DREAMS', serving as a social worker.
- Mentoring Role, Participated in Student Leadership Program at STS Mission English High School, Malad by Indian Development Foundation.
Timeline
GG7 Senior Executive-Credit Underwriting
PayU Finance India Private Limited
09.2024 - Current
Credit Manager-Unsecured Business Lending
Protium Finance Limited
02.2023 - 09.2024
Deputy Manager- Unsecured Assets
ICICI Bank
02.2021 - 02.2023
- Executive Certificate Programme in Artificial Intelligence and Machine Learning for Business at Indian Institution of Management Bodh Gaya
- Credit Risk Analysis and Rating for Bankers-Udemy
- Code of Business Conduct and Ethics-PayU
- Privacy and Data Protection Essentials -PayU
PGDM - Financial Management
Durgadevi Saraf Institute of Management Studies
B.Tech - Electronics And Communications Engineering
Calcutta Institute of Engineering And Management
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