Headline

CA | Managed ₹350 Cr MSME Loan Portfolio | Credit Risk & Underwriting | HDFC Bank MSME | Fintech Credit | 3.8 yrs”

About

Chartered Accountant with 3.8 years at HDFC Bank managing an MSME loan portfolio of ~₹350 Crores as Credit Manager – Working Capital (Bathinda, Punjab). My work sits at the intersection of financial analysis and risk judgment: evaluating creditworthiness through banking transaction analysis (Perfios), GST data, FOIR/DSCR modelling, and end-to-end credit assessment for fund-based (CC/OD/TL) and non-fund-based (BG/Pledge) facilities across manufacturing, trading, and service sectors. Independent sanction authority up to ₹2 Cr; recommendation authority up to ₹15 Cr. Now looking to bring this underwriting depth into fintech credit risk and analytics — where data-driven decisioning, portfolio risk monitoring, and credit policy intersect with scale. Open to roles in: Credit Risk | Underwriting | Risk Analytics | Credit Policy Target companies: Fintech NBFC, Digital Lending, Credit Bureau 📩 nancygoyal995@gmail.com | +91 8607800042

Location

Rampura Phul

Work experience

Credit Manager-WC-SME at HDFC Bank, Oct 2022 - Present · 3 yrs 9 mos, India

Audit & Taxation Assistant at Jain & Singh, Jan 2022 - Jul 2022 · 7 mos, Delhi, India

Article Assistant at Ajay Rattan & Company, Oct 2015 - Oct 2018 · 3 yrs 1 mo, Bhathinda, Punjab

Education

Chartered Accountant, Auditing, The Institute of Chartered Accountants of India

Bachelor of Commerce - BCom, Accounting and Finance, Indira Gandhi National Open University