Hi, I’m
Shwetali Suresh Lale
credit underwriter
Pune
Summary
Credit underwriting professional with nearly five years of experience in assessing credit risk across education loans, personal loans, and credit cards. Proven expertise in financial analysis and regulatory compliance, including KYC and AML, leading to optimized loan portfolios and improved customer satisfaction. Strong collaboration skills with cross-functional teams to achieve underwriting targets and support organizational growth. Ready to apply analytical skills and decision-making capabilities in a dynamic financial services environment.
Overview
5
years of professional experience
Work History
Auxilo Finserv Pvt LtdMumbai
Credit Underwriter - Assistant Manager
09.2022 - Current
Job overview
- Evaluate Education Loan applications across PAN India, ensuring compliance with internal policies and regulatory standards
- Conducted telephonic discussions with students and co-applicants to assess eligibility for education loans
- Analyzed financial profiles and academic details to make informed underwriting decisions
- Verified documents, ensured compliance with policies, and processed loan applications efficiently
- Conduct detailed credit assessments using financial documents, credit scores, and income verification, minimizing risk exposure.
- Collaborate with sales and service teams to streamline loan processing and resolve customer escalations
- Maintain audit-ready documentation, supporting regulatory and operational reviews
- Achievement: Earned Spotlight Award for Top Performer Credit (South Region), Oct 2024
Fibe (Formerly EarlySalary)Pune
Credit Underwriter - Senior Associate
07.2018 - 12.2018
Job overview
- Analyzed personal loan applications via the EarlySalary App, assessing creditworthiness and repayment capacity
- Supported risk mitigation strategies, reducing portfolio delinquency through refined credit decision-making
- Processed loans efficiently, determining credit limits and generating agreements while ensuring policy adherence
- Enhanced customer experience by resolving queries and expediting application turnaround
HDFC Bank LtdPune
Credit Underwriter - Assistant Manager
08.2016 - 06.2018
Job overview
- Underwrote credit card applications, including Super Premium cards, adhering to business and regulatory guidelines
- Analyzed CIBIL reports to set credit limits and reviewed weekly delinquency trends to optimize portfolio health
- Coordinated with Policy, Sales, and Risk teams to maintain operational efficiency and meet productivity targets
- Achievements: Silver Star Performance Award, May 2017
- Fraud Prevention Award, Jan 2018
- Contest Winner, Sep & Nov 2017
Tantransh Solutions Pvt. Ltd.Pune
Intern
03.2016 - 05.2016
Job overview
- Contributed to 'Mini ERP' project for small organizations using QT Creator, focusing on transaction automation and record management
Education
SPPU (Pune University)Pune, India
MBA
12.2020
University Overview
GPA: 68.47%
CDAC (BARTI)Nagpur, India
PG Diploma in Advanced Software Development Methodologies (DASDM)
12.2016
University Overview
GPA: 53.61%
RTMNU (Nagpur University)Nagpur, India
BE from Information Technology
12.2013
University Overview
GPA: 65.57%
Skills
- Credit risk analysis
- Financial Statement & CIBIL Analysis
- Credit underwriting
- Regulatory Compliance (KYC, AML)
- Loan Origination Systems (LOS)
- Microsoft Excel
- CRM Platforms
- Salesforce
- Credit Models
Hobbies and Interests
- Crafting greeting cards
- Music
- Travel
Awards
- Spotlight Award for Top Performer Credit (South Region), Auxilo Finserv, 10/24
- Fraud Prevention Award, HDFC Bank, 01/18
- Silver Star Performance Award, HDFC Bank, 05/17
- Contest Winner, HDFC Bank, 09/17
- Contest Winner, HDFC Bank, 11/17
Languages
- English
- Marathi
- Hindi
Timeline
Credit Underwriter - Assistant Manager
Auxilo Finserv Pvt Ltd
09.2022 - Current
Credit Underwriter - Senior Associate
Fibe (Formerly EarlySalary)
07.2018 - 12.2018
Credit Underwriter - Assistant Manager
HDFC Bank Ltd
08.2016 - 06.2018
Intern
Tantransh Solutions Pvt. Ltd.
03.2016 - 05.2016
SPPU (Pune University)
MBA
CDAC (BARTI)
PG Diploma in Advanced Software Development Methodologies (DASDM)
RTMNU (Nagpur University)
BE from Information Technology
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