Summary
Overview
Work History
Education
Skills
Languages
Certification
Tools
Timeline
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TANVI M. SURVE

Mumbai

Summary

Dynamic credit professional with extensive experience at Flexiloans, excelling in credit analysis and risk identification. Proven track record in underwriting assessments and portfolio management, driving process improvements. Adept at decision-making and fostering customer relationships, ensuring compliance and enhancing loan approval efficiency. Passionate about delivering exceptional results in fast-paced environments.

Overview

6
6
years of professional experience
1
1
Certification

Work History

Assistant Credit Manager

Flexiloans
08.2023 - 12.2024
  • Performed credit analysis and underwriting for unsecured business loans ranging from ₹1 lakh to ₹20 lakhs, ensuring compliance with internal risk and lending policies.
  • Assessed creditworthiness using credit scoring models and conducted thorough risk identification to support sound lending decisions.
  • Evaluated customer eligibility by analyzing key documents: KYC, credit bureau reports (CIBIL/Equifax), bank statements, GSTR, ITRs, and audited financials.
  • Executed end-to-end underwriting including loan eligibility checks, deviation approvals, and credit memo preparation as per policy framework.
  • Monitored borrower portfolio quality, maintained approval matrices, and flagged early warning signs for potential delinquencies.
  • Conducted verification calls (PD) with third parties (customers, references, vendors) for fraud prevention and data validation.
  • Made informed decisions to approve or reject loan applications, ensuring adherence to credit risk appetite and turnaround time (TAT).
  • Managed the entire credit lifecycle—from policy implementation, exception handling, to coordination with risk, sales, and operations teams.

Credit Underwriter

Ditya Finance Private Limited (Mcapital)
Mumbai
03.2022 - 08.2023
  • Handled credit underwriting for small business loans with ticket sizes ranging from ₹1 lakh to ₹10 lakhs, ensuring compliance with internal credit policy and regulatory norms.
  • Assessed borrower creditworthiness through comprehensive analysis of KYC documents, credit bureau reports (CIBIL, Equifax), banking transactions, GSTR filings, ITRs, and audited financial statements.
  • Conducted telephonic personal discussions (PDs) with merchants to gather qualitative insights on business stability, intent to repay, and financial behavior.
  • Evaluated loan applications against policy frameworks, using both rule-based and judgmental underwriting, to identify eligibility and potential credit risks.
  • Made informed decisions to approve or reject loan proposals, balancing risk appetite, debt serviceability, and borrower profile strength.
  • Published and maintained Monthly DPD (Days Past Due) Portfolio Analysis Reports to track repayment trends, flag risk segments, and support early warning systems.
  • Ensured adherence to TAT (Turnaround Time) and quality standards, contributing to portfolio health and process efficiency.

Senior Merchant Experience Advisor

MSwipe Technologies Private Limited
04.2019 - 03.2022
  • Escalations Management (NSTP)
  • Handling Escalations on emails
  • Process / Quality sessions for OJT Batch
  • Reducing pendency with utmost precision & make the merchant transact.
  • Serving merchants (customers) by providing product & service information
  • Calling active & budding up
  • Addressing clients' uncertainties, grievances, & suggesting for first time resolution
  • Identify and assess customers' needs to achieve satisfaction Involved in system training to fresher's

Education

PGDM-FINANCE -

WELINGKAR COLLEGE OF MANAGEMENT
01.2024

M.COM -

UNIVERSITY OF MUMBAI
01.2021

B.COM -

UNIVERSITY OF MUMBAI
01.2019

SOFTWARE DIPLOMA -

GRAND INSTITUTE OF SOFTWARE DEVELOPMENT
01-2017

Skills

  • Credit analysis
  • Risk identification
  • Credit scoring models
  • Underwriting assessment
  • Loan eligibility checks
  • Portfolio management
  • Customer relationship management
  • Process improvement
  • Decision making

Languages

  • English
  • Hindi
  • Marathi

Certification

  • Business Analyst :TrainSmart Academy
    (IIBA-based)
  • Agile & Scrum Methodology : Udemy
  • JIRA for Project Management : Atlassian University
  • Digital UX Design : Accenture
  • Corporate Finance & Risk Analytics : Great Learning

Tools

Excel, Power Point, Word

LOS, LMS

Credit Bureau tools

Mambu, Perfios, Karza

Timeline

Assistant Credit Manager

Flexiloans
08.2023 - 12.2024

Credit Underwriter

Ditya Finance Private Limited (Mcapital)
03.2022 - 08.2023

Senior Merchant Experience Advisor

MSwipe Technologies Private Limited
04.2019 - 03.2022

PGDM-FINANCE -

WELINGKAR COLLEGE OF MANAGEMENT

M.COM -

UNIVERSITY OF MUMBAI

B.COM -

UNIVERSITY OF MUMBAI

SOFTWARE DIPLOMA -

GRAND INSTITUTE OF SOFTWARE DEVELOPMENT

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