---
title: "Mukesh Tengli - Credit Underwriter in Bengaluru | Tal"
description: "Meet Mukesh Tengli, credit underwriter at veritas finance ltd based in Bengaluru."
image: "https://tal.club/meet/mukesh-tengli/share-image"
---

# Mukesh Tengli on Tal

## Headline

credit underwriter at veritas finance ltd

## About

As a credit underwriter , I am committed to upholding the integrity of financial operations and providing recommendations for continuous improvement\. I am passionate about staying up\-to\-date with evolving industry standards and emerging technologies to ensure audits are conducted efficiently and effectively\.

## Location

Bengaluru

## Work experience

Credit Underwriter at Veritas Finance Limited, Oct 2024 \- Present · 1 yr 8 mos, Kalaburagi, Karnataka, India

Branch Credit Manager at Veritas Finance, Oct 2024 \- Present · 1 yr 8 mos, Client & Application Assessment • Review and analyse client loan applications \(fact finds, supporting documents\) to assess serviceability and borrowing capacity as per lender/internal credit policy\. • Scrutinise income documents including payslips, bank statements, tax returns, and rental statements to identify red flags, inconsistencies, or missing information\. • Calculate income\-to\-debt ratios, loan\-to\-value \(LTV\) ratios, and other relevant serviceability metrics to determine borrowing eligibility\. • Conduct preliminary checks on applicant credit history, repayment capacity, financial stability, and collateral value for secured loans\. Loan Structuring & Policy Interpretation • Interpret and apply lender credit policies, product guidelines, and servicing calculators to recommend suitable loan structures including fixed/variable, interest\-only, split loans, and refinance scenarios\. • Approve, modify, or decline loan applications; recommend loan amounts, interest rates, tenure, and repayment conditions in line with regulatory and internal guidelines\. • Apply relevant lending guidelines, internal credit policies, and RBI/local regulatory norms throughout the underwriting process\. Pipeline Tracking & Compliance • Track loan applications from submission through conditional approval, formal approval, and settlement, ensuring all conditions are met within required timeframes and SLAs\. • Maintain accurate and timely updates in loan origination systems \(LOS\), credit scoring tools, and lender portals\. • Maintain accurate records of underwriting decisions and prepare detailed reports for audit and compliance review\. • Ensure all documentation complies with internal credit policies and applicable regulatory norms\. Stakeholder Communication & Support • Liaise with loan officers, sales teams, branch managers, and credit analysts via email, CRM notes, and phone to obtain missing information, clarify discrepancies, and provide file status updates\. • Communicate and

Audit Executive at Annapurna Finance Pvt Ltd, Kalaburagi, Jul 2023 \- Sep 2024 · 1 yr 3 mos, • Conducted internal audits of loan and financial records to ensure accuracy, completeness, and compliance with company policies and regulatory standards\. • Identified discrepancies and red flags in financial documentation; escalated findings and recommended corrective actions\. • Verified supporting documents and maintained audit trails for credit and operational processes\. • Prepared detailed audit reports for management and compliance review\.

Tax Assistant at MP & Associates, Mar 2020 \- Mar 2023 · 3 yrs 1 mo, • Prepared accurate financial reports, tax filings \(GST\), and handled bookkeeping duties for multiple clients\. • Answered complex financial queries and provided support to senior accountants in financial analysis and compliance\. • Maintained client records using Tally ERP\-9 and MS Excel; developed proficiency in data entry, reconciliation, and financial reporting\.

Business Development Manager at Delhivery, Feb 2019 \- Nov 2022 · 3 yrs 10 mos, Mumbai Metropolitan Region

## Education

Master in business administration, AVIATION, JAIN College

bachelor of business management, Finance and Financial Management Services, gurukul college of management

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

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