Khatib

About Khatib

Credit professional currently working in Central Credit Team at AU Small Finance Bank, with strong exposure to credit audits, system audits, and post-disbursement monitoring of loan portfolios. Experienced in independent checking of credit appraisals, financial statements, sanction terms, and compliance requirements, ensuring adherence to internal credit policies, delegated authority norms, and regulatory guidelines.Skilled in preparing structured review notes, MIS reports and tracking closure of audit observations, coordinating effectively with credit, risk, and technology teams to drive timely resolution and process improvements. MBA in Digital Finance & Banking (Silver Medalist) with strong analytical skills and advanced Excel proficiency & presentation skill, delivering a disciplined, detail-driven approach to credit quality and portfolio monitoring.

Experience

1. Credit Manager

   AU SMALL FINANCE BANK

   Dec 2023 — Present · Jaipur, IN

   Manage risk-based credit audits of business loan portfolios, including working capital and term loan facilities as per the internal guidelines- Perform independent audit of credit appraisals, financial analysis, due diligence, sanction terms, and post-sanction conditions- Ensure adherence to internal credit policies, delegated & and regulatory guidelines- Conduct financial statement audit to detect assessment gaps, income inflation, and cash-flow mismatches- Carry out system audits to evaluate data accuracy, workflow controls, and compliance captured in credit and monitoring systems- Prepare structured audit documentation, sampling rationale, and audit reports for senior management- Maintain audit MIS and dashboards for tracking observations, closures, and portfolio quality trends- Coordinate with business, credit, risk, and technology teams to resolve audit issues and strengthen process controls.

Education

• O.P. Jindal Global University (JGU)

  Master of Business Administration - MBA