Susmit Newgi
Credit Manager at Kotak Mahindra Prime | Expert in Risk Assessment & Credit Analysis | Passionate about Empowering Financial Growth 🚀
- Role
- Credit Manager at Saraswat Bank
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Susmit Newgi
Hello! I am Susmit Newgi, a finance professional with 2 years of experience specializing in credit risk, financial analysis, and underwriting. I have successfully managed over 100 Cr+ in exposures while maintaining a delinquency rate of less than 1.5%. My expertise lies in financial modeling, portfolio monitoring, and compliance, and I am proficient in tools such as Bloomberg, Python, VBA, and Power BI. I am currently seeking opportunities as a Credit Analyst, Risk Analyst, or Financial Analyst to leverage my skills in driving data-backed decisions and optimizing portfolio performance.Throughout my career, I have demonstrated a strong ability to evaluate credit proposals and perform detailed financial assessments. I have worked closely with cross-functional teams to streamline processes and ensure adherence to regulatory standards. My leadership and analytical skills have enabled me to mentor teams effectively and enhance operational efficiency. I am passionate about using my financial acumen to contribute to organizational success and am eager to take on new challenges in the finance sector.
Experience
Credit Manager
Nov 2025 — Present · Navi Mumbai, IN
Conduct detailed credit appraisal of Big ticket auto loan proposals, including income assessment, banking analysis, and bureau checks• Evaluate customer repayment capacity, FOIR, DSCR, and risk parameters to make sound credit decisions• Perform PD (Personal Discussion) and field investigations for customer profiling and fraud risk mitigation• Analyze financial documents (ITR, bank statements, GST where applicable) for self-employed and salaried applicants• Ensure compliance with credit policy, KYC norms, and audit requirements• Coordinate with sales, operations, and legal teams for smooth loan processing and disbursement• Handle exception cases and policy deviations with proper justification and risk mitigation• Monitor portfolio quality and early warning signals (EWS).• Conducted detailed financial analysis of mid-sized and large corporate borrowers to evaluate creditworthiness and make informed funding recommendations.• Prepared comprehensive and precise Credit Appraisal Memorandums (CAMs), enabling approval authorities to take timely and well-informed credit decisions.• Developed financial projections for real estate projects to assess future cash flows, viability, and risk factors, supporting practical and data-driven lending decisions.• Regularly reviewed and updated product and credit policies, proactively communicating recommended changes to product and policy teams to ensure alignment with evolving business and risk requirements
Education
Welingkar Institute of Management
Master's degree, Finance, General
Pune Vidya Bhawan
S.S.C
K J Somaiya College of Science & Commerce Vidyanagar Vidyavihar Mumbai 400 077
Bachelor of Commerce - BCom
2017 — 2019
Swami Vivekanand International School and Junior College
H.S.C, commerce
2016 — 2017
Welingkar Institute of Management
Master of Business Administration
2023
K J Somaiya College of Arts & Commerce
Master of Business Administration
2019
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