Dhanraj Sharma

Senior Associate - Credit @PW (PhysicsWallah)

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.

Gauhati University, Guwahati

Bachelor of Commerce - BCom

Gauhati Commerce College

HSSC

Assam Down Town University

Master of Business Administration - MBA