I am a fellow member of Institute of Chartered Accountants of India and also a Certified Financial planner. I have rich experience in credit underwriting of retail products for about 15 years. Credit underwriting included evaluation of customer's ability and intention to pay, financial analysis was integral part of this evaluation. I have experience of heading a team of more than 100 credit managers. I also had an opportunity to undertake due diligence of portfolios from buying perspective. Apart from this, I have worked for various digitization projects for better efficiency and turnaround. Expertise in evaluating various processes especially related to finance and propose a optimum solution