---
title: "CA Nancy Garg - Credit Manager-WC-SME in Rampura Phul | Tal"
description: "Meet CA Nancy Garg, CA | Managed ₹350 Cr MSME Loan Portfolio | Credit Risk & Underwriting | HDFC Bank MSME | Fintech Credit | 3.8 yrs” based in Rampura Phul."
image: "https://tal.club/meet/ca-nancy/share-image"
---

# CA Nancy Garg on Tal

## 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

[View the original profile](https://tal.club/meet/ca-nancy)

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