Afjal
Credit & Risk Analyst | Personal & Business Loan Underwriting | Fintech Lending | MIS Reporting | Fraud Risk Control
- Role
- Credit and Risk Analyst at Nira
- Location
- Bengaluru, KA, IN
- LinkedIn followers
- 500 followers
About Afjal
As a detail-oriented Credit and Risk Analyst with over 2 years of experience in the fintech lending space, I specialize in underwriting personal and business loans, evaluating creditworthiness, and mitigating risk for digital borrowers. My expertise lies in analyzing financial statements, transaction data, and behavioral patterns to make sound lending decisions.Currently at NIRA, I work closely with the credit team to ensure high-quality portfolio performance by conducting tele-PDs, UAT testing for automation rules, and contributing to credit policy improvements. I’m skilled in Excel, MIS reporting, and data analysis, with a passion for using technology to improve credit decisioning and operational efficiency.I’m now seeking to further my impact in the credit and risk domain, especially in fast-paced fintech or NBFC environments where I can contribute to growth through data-driven insights and prudent risk management.
Experience
Credit and Risk Analyst
Mar 2023 — Present · Bengaluru, IN
Evaluating credit applications for personal and business loans by analyzing financial statements, credit reports, and customer profiles, ensuring timely and accuratedecisions.•Gathering structured and unstructured data from databases and validating data for accuracy and consistency by cleaning and preprocessing it.•Generating and preparing weekly and monthly reports for senior management to support data-driven decisions.•Providing insights based on data to improve credit underwriting, lending operations, or fraud detection.•Assisting in user acceptance testing (UAT) for new rule engines, risk models, or lending platforms.
Education
Gauhati University, Guwahati
Bachelor of Science - BS
2013 — 2016
Gauhati University, Guwahati
Bachelor of Education - BEd
2019 — 2021
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