Surbhi Singhal

WORK HISTORY

EDUCATION

ABOUT SURBHI SINGHAL

CA Surbhi Singhal is a Chartered Accountant with over three years of experience in banking, credit underwriting, financial analysis, auditing, and taxation. She is currently part of the MEG CAMPU team at Axis Bank, where she supports the credit function with a focus on SME working capital evaluation, risk assessment, and portfolio monitoring. Based in Ghaziabad, she brings strong analytical skills and a structured approach to credit appraisal and financial review.She holds a Bachelor of Commerce (Honours) from Delhi University and qualified as a Chartered Accountant from the Institute of Chartered Accountants of India. Her academic background has provided a solid foundation in accounting, finance, taxation, and business operations. She is also pursuing CFA Level 1 to further strengthen her knowledge in investment analysis, financial markets, and risk management.Before joining Axis Bank, Surbhi worked as a Credit Manager – SME Working Capital at HDFC Bank. In this role, she handled credit underwriting for fund-based and non-fund-based working capital facilities. She conducted financial analysis of businesses and promoters, assessed collateral security, and evaluated key risk factors associated with lending proposals. She was also responsible for portfolio monitoring, MIS tracking, and supporting effective credit decisions to maintain healthy account performance.Earlier in her career, she gained audit and assurance experience as an Assurance Associate at PwC, where she worked on audit procedures, preparation of work papers, and internal control testing. This experience strengthened her understanding of financial reporting, compliance, and risk frameworks.Her professional foundation was developed during her articleship training, where she worked on statutory audits, concurrent bank audits, stock audits, and taxation assignments. She gained exposure to financial statement review, transaction verification, tax return preparation, and GST compliance processes.Surbhi’s key strengths include credit risk assessment, financial statement analysis, SME lending evaluation, portfolio monitoring, and regulatory compliance. She is proficient in advanced MS Excel, financial MIS preparation, and banking systems such as Finacle, along with working knowledge of Tally ERP. She is known for her analytical approach, attention to detail, and commitment to continuous learning and professional growth.