Chinmay Joshi

Detail oriented Risk and Credit Professional with 6+ years of experience in loan application analysis, credit underwriting, risk assessment, and financial analysis across secured, unsecured, and supply chain finance portfolios. Demonstrated ability to ensure KYC/AML compliance, detect discrepancies in financial documentation, improve file quality, and support underwriting decisions. Currently pursuing an MBA in FinTech to advance expertise in digital finance and modern risk technologies.

Loan Application Analyst - MCL Finance - London, United Kingdom

(2026-02)

• Review and verify loan application bank statements for accuracy, clarity, and completeness.
• Identify errors, missing information, and inconsistencies in loan application packs and supporting documents.
• Conduct detailed scrubbing of applications to ensure all files meet internal quality standards before underwriting.
• Liaise with underwriters, brokers, and internal teams to resolve discrepancies and correct submissions.
• Maintain daily logs of scrubbing activities and recurring issues to support process improvements.
• Support operations and credit teams by ensuring only clean, accurate, and validated files move forward for decisioning.

Kitchen Porter (Part-Time) - Courthouse Hotel Shoreditch - London, United Kingdom

(2025-02 - 2026-02)

• Managed kitchen hygiene, cleaning, utensil availability, and waste disposal while pursuing MBA studies.

Credit Officer – Risk & Supply Chain Finance - Mizuho Capsave Finance Private Limited - Mumbai, India

(2021-12 - 2024-10)

• Reviewed credit files and verified KYC, ITRs, bank statements, and GSTR-3B for compliance and risk mitigation.
• Prepared Credit Appraisal Memos and conducted personal discussions to assess financial stability and borrower risk.
• Underwrote and recommended loan cases; drafted sanction letters aligned with policy guidelines.
• Monitored portfolio via daily Credit MIS reports and identified emerging risk trends.
• Performed risk assessments for secured, unsecured, and supply chain finance products per internal policies and RBI norms.
• Analyzed financial statements and transaction patterns to detect early warning signals.
• Implemented exposure limits and monitored high-risk accounts.
• Collaborated with compliance and audit teams to support risk governance and exception reporting.
• Conducted due diligence and fraud checks using online verification tools.

Credit Executive – Business Loan Risk Analysis - Ashv Finance - Mumbai, India

(2020-01 - 2021-12)

• Evaluated secured and unsecured business loan files; verified KYC, ITRs, bank statements, and GSTR-3B.
• Prepared Credit Appraisal Memos and assessed borrower creditworthiness.
• Conducted client interviews to clarify financial and documentation gaps.
• Performed online verifications and maintained daily MIS reporting.

Credit Executive – Business Loan Risk Analysis - India Infoline Finance Limited - Mumbai, India

(2017-12 - 2019-12)

• Prepared Credit Appraisal Memos to support loan decisions.
• Evaluated creditworthiness for business loan applications and reviewed financial documentation.
• Collaborated with credit, sales, and operations teams to streamline processes.
• Conducted online verification checks and validated submitted documents.

MBA - Fintech - University of Hertfordshire (2025-01 - 2026-02)

Master - Financial Management - St. Francis Institute of Management and Research (2019-08 - 2021-06)

Master - Commerce - Mumbai University (2017-08 - 2019-05)

Bachelor - Commerce - Mumbai University (2014-08 - 2017-05)