Bhavya Sarin
Credit Manager @Indifi
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WORK HISTORY
Credit Manager @Indifi
Gurugram, IN
Evaluated and Investigated customers forcreditworthiness and potential risk factors forMSME segment.•Supervise and mentor a team of underwriters orAssistant Manager.•Work with risk, compliance, and business teams toensure policies are in line with regulatory andinternal guidelines.Prepare and review MIS reports related tounderwriting performance, risk trends, andturnaround times.•Evaluate a counterpart\'s default risk and overallrisk profile by analyzing both qualitative andquantitative data.Make informed risk decisions within yourdesignated authority and escalaterecommendations to management whenneeded.Continuously monitor and actively mitigate risksand exposures that exceed tolerance levels,utilizing tools like limits, payment terms, securityinstruments, and contract management.Cultivate strong partnerships with Trading andSales teams to gain a deep understanding oftrading strategies and key market driver
EDUCATION
Pune Institute of Business Management
PGDM , Finance
ABOUT BHAVYA SARIN
An incisive professional in credit risk,credit analysis,financial risk,financial analysis with 4 +years of experience in credit underwriting of secured and unsecured products. Sound knowledge of secured and unsecured loans, credit and risk documentation, valuation and legal aspects in loan proposals. Knowledge of wide range of products home loan, loan against property, refiancing of home loans, construction of home loans, personal loans and business loans.Experience in credit underwriting of salaried professional, sole trader and companies. Underwriting experience in Australian mortage and Indian Mortagages.Area of interest: commercial lending, project finance and Investment Banking.Key skills: Credit Appraisal and Risk Management, Financial statement analysis, Credit due dilligence, Business analysis, peer analysis, financial modelling and Sound Decision Making.
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