Headline

Senior Associate - Housing Loan Credit Strategy & Underwriting | LAP | NBFC Lending | Financial Analysis | MBA-BIFS, Goa Institute of Management

About

I work in credit underwriting, evaluating borrower financials, collateral, and lending structures to make sound sanctioning decisions. As a Senior Associate at Navi Finserv, I lead credit underwriting for Home Loan and LAP products, having reviewed sanctions worth ₹10+ Cr while ensuring 100% policy compliance. I reduced loan sanction TAT by 20% by tightening coordination across collateral, sales, and ops teams, across both Bangalore and Hyderabad geographies. Before this, I researched vendor financials and competitive positioning at Gartner (supporting Magic Quadrant assessments) and audited GST compliance at Nestlé. I hold an MBA in Banking, Insurance and Financial Services from Goa Institute of Management and a BBA in Finance from Symbiosis International University. Open to opportunities in credit analysis, credit risk, financial analysis, consulting, and BFSI strategy. Feel free to connect or reach out.

Location

Bengaluru

AI stack

gemini

notebooklm

Microsoft Copilot

Work experience

Senior Associate I - Housing Loan Credit Strategy at Navi, Dec 2025 - Aug 2026 · 8 mo, Bengaluru, • Drove disbursal of Navi's pilot LAP cases, which were successfully integrated into Navi's core loan portfolio • Prepared and reviewed sanction letters for HL/LAP disbursals worth ₹10+ Cr, ensuring 100% policy compliance • Led credit underwriting for salaried and self-employed LAP customers, evaluating credit and collateral eligibility and risk • Reduced loan sanction TAT by 20% by coordinating with collateral, sales, and ops teams, ensuring efficiency in operations • Built underwriting expertise across customers from Bangalore and Hyderabad geographies on collateral and credit risk • Collaborated cross-functionally to maximize case disbursals in minimum time, strengthening customer retention

Secondary Research Intern - SRS & GA at Gartner, Apr 2025 - Jun 2025 · 3 mos, Gurugram, • Conducted secondary research on 50+ global vendors, enabling the team to generate strategic insights for analysts • Analyzed revenue trends and business strategies of 30+ firms to enhance accuracy of Magic Quadrant positioning • Assessed product innovation, customer value propositions, and scalability of 25+ vendors for Critical Capabilities reports • Examined product–market fit and emerging opportunities for 20+ niche vendors, under Emerging Market Quadrant studies • Automated research workflows using GenAI tools, improving analyst efficiency by 4 hours per study with ~88% accuracy

Finance Intern - Claims Management at Nestlé, Jul 2024 - Aug 2024 · 2 mos, Gurugram, • Audited 12,000+ GST return claims, ensuring compliance accuracy and identifying systemic process gaps • Categorized 150+ recurring discrepancy patterns, enabling improved cross-functional coordination and 100% accuracy • Conducted trend analysis that reduced return-related discrepancies by 15%, improving operational reliability • Delivered insights to senior managers, supporting timely processing of 10,000+ debit entries

Summer Intern - Finance at Deal Squard, Apr 2024 - Jun 2024 · 3 mos, Ghaziabad, • Conducted vertical and ratio analysis of 2 listed companies to identify key performance drivers and financial risks • Built and analyzed a 4-company mock investment portfolio, evaluating risk-return trade-offs and optimization recommendations

Senior Core Committee Member - The Student Public Relations Cell at Goa Institute of Management (GIM), Feb 2024 - Mar 2025 · 1 yr 2 mos

Junior Core Committee Member - The Student Public Relations Cell at Goa Institute of Management (GIM), Aug 2023 - Feb 2024 · 7 mos

Education

PGDM - Banking, Insurance and Financial Services, Goa Institute of Management (GIM)

Bachelor of Business Administration - BBA, Finance, International Business, SYMBIOSIS INTERNATIONAL UNIVERSITY