Shubham K.
Help business teams grow clean portfolios with sharp credit risk judgement. Sr. Credit Risk Analyst l Risk management l Credit Underwriting l Financial statements Analysis l Legal & Technical
- Role
- Credit and Risk- Sr Manager at SMBC Group
- Location
- New Delhi, DL, IN
- LinkedIn followers
- 500 followers
About Shubham K.
MBA (Finance) and B.Tech graduate with strong experience in credit underwriting across secured lending. I help business teams close cases faster by ensuring timely PDs, quick approvals, and on-time OTC updates. Focused on clean portfolio growth with strong financial analysis and zero audit gaps. Skilled in balancing business speed with credit risk quality.
Experience
Credit and Risk- Sr Manager
Nov 2024 — Present · Delhi, IN
Sanctioning authority up to ₹15 Lakhs; PD authority up to ₹1 Crore for secured credit proposals.Evaluated creditworthiness across individuals, proprietors, partnership firms, trusts, and societies.Conducted sharp, data-driven financial analysis of both simple and complex profiles.Achieved monthly disbursals of ₹10–12 Cr, ranking among the top-performing locations.Maintained zero audit queries with consistently high asset quality and minimal delinquency.Handled high-ticket Mass LAP cases (₹75 Lakhs+), ensuring prudent risk assessment.Known for accurate credit judgment, early risk detection, and strong compliance mindset.Delivered growth with a focus on portfolio hygiene and risk integrity.
Education
DIT UNIVERSITY
Bachelor of Technology - BTech, Mechanical Engineering
Manipal Academy of Higher Education
Post graduate diploma in banking and finance, Asset Finance
SVKM's Narsee Monjee Institute of Management Studies (NMIMS)
Master of Business Administration - MBA, Finance and banking
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