Priyanshu Agarwal

Credit Manager @Aavas Financiers Ltd

IN

Professional journey at Aavas Financiers Ltd sounds truly motivating, blending hands-on credit work with a mission-driven focus on affordable housing finance. As a key player in India\'s NBFC space, Aavas excels in serving underserved borrowers through customer-centric lending, and your role in credit assessment strengthens that impact.Core Skills You\'re BuildingYour experience spans personal discussions (PDs) to verify intent and stability, financial analysis for cash flow viability, and risk evaluation to flag PD risks like over-leverage. These pillars ensure responsible lending, balancing growth with low defaults in housing finance.Affordable Housing ContextAavas targets low-to-middle-income segments often ignored by banks, emphasizing quick disbursals via LAP or home loans backed by property collateral. Your work enhances financial inclusion by assessing salaried cases—much like the PD questions on income, FOIR, and CIBIL we covered—while prioritizing ethical practices.Growth Path AheadDeepen expertise by linking PD insights to portfolio trends, mastering tools like Excel for DSCR models, and staying updated on RBI norms for NBFCs. This positions you for senior underwriting or risk roles, advancing India\'s inclusion story.

Dr. B. R. Ambedkar University, Agra

bsc, English Language and Literature/Letters

GLA University

Master of Business Administration - MBA