Results-driven Credit Manager with hands-on experience in unsecured lending, credit appraisal, and risk
management. Adept at conducting in-depth financial analysis, underwriting, and fraud detection to ensure prudent
lending practices. Proven track record of minimizing delinquency and maintaining portfolio quality while supporting
business growth through compliance, strategic insights, and stakeholder collaboration. Skilled in credit bureau
analysis, regulatory compliance, and MIS reporting, with strong expertise in policy implementation and operational
efficiency.
