Sasmita Sethy
Credit Manager @Spinny
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WORK HISTORY
Credit Manager @Spinny
IN
Lead underwriting processes for used car loans. Defined credit and risk processes for new loan products. Established checks and balances to ensure operational efficiency. Authorized approvals for L1 and L2 deviations up to ₹14 lakhs. Assessed borrower financial ratios, including debt-to-income ratio, to maintaincompliance with lending standards. Evaluated customer eligibility based on FOIR, CIBIL score, banking transactions, andoverall creditworthiness. Reviewed Field Verification (FV) and Risk Containment Unit (RCU) reports. Managed and mentored a team to achieve organizational goals
EDUCATION
Utkal University of Culture, Bhubaneswar
Bachelor of Arts - BA
ABOUT SASMITA SETHY
Results-driven and detail-oriented banking professional with a strong background in credit risk management. Demonstrated expertise in credit underwriting, financial statement analysis, customer profile evaluation, and portfolio management. Adept at assessing creditworthiness, mitigating risk, and supporting sound lending decisions that align with organizational goals.
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