Dhanraj Sharma
Senior Associate- Credit @ PhysicsWallah Limited | MBA\'24 | Business Development| D2D MIS Executive
- Role
- Senior Associate - Credit at PW (PhysicsWallah)
- Location
- Guwahati, AS, IN
- LinkedIn followers
- 500 followers
About Dhanraj Sharma
Currently working as a Senior Associate – Credit at PhysicsWallah, specializing in…
Experience
Senior Associate - Credit
Apr 2025 — Present · Guwahati, IN
Analyze KYC documents, financial documents, credit reports, and loan applications to check if the applicant is eligible for a short-term education loan and follows all lending policies.• Evaluate borrowers\' income, credit history, financial stability, and cash flow using metrics like Average Bank Balance (ABB) and Fixed Obligations to Income Ratio (FOIR) to evaluate their loan repayment ability.• Calculate and analyze repayment capacity, ensuring that loan terms align with the borrower’s financial situation and industry standards.• Identify potentially fraudulent or high-risk loan applications through careful document checks and financial review to prevent defaults and protect the lender from possible financial losses.
Education
Gauhati University, Guwahati
Bachelor of Commerce - BCom
2017 — 2020
Gauhati Commerce College
HSSC
2015 — 2017
Assam Down Town University
Master of Business Administration - MBA
2022 — 2024
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