Ca Mohit Talwani

Chartered Accountant with 9+ years of experience across Banking, FinTech, Commercial Lending, Credit Risk Management, Underwriting, Portfolio Monitoring and Risk Analytics. Proven experience in credit decisioning, bureau assessment, customer risk evaluation, portfolio performance monitoring, risk segmentation, policy adherence and data-driven underwriting. Strong expertise in unsecured and secured lending, financial analysis, credit appraisal, risk governance, portfolio reviews and stakeholder management.

Skilled in SQL, Excel, MIS reporting and translating risk insights into business decisions

Senior Credit Risk Manager - Velocity - Bengaluru

(2025-01)

• Lead credit underwriting and risk assessment across lending portfolios using financial, bureau and alternate data sources.
• Analyze portfolio performance, customer segments, approval trends and delinquency behaviour to identify risk mitigation opportunities.
• Support underwriting policy refinement and risk-based decision frameworks to balance growth and portfolio quality.
• Monitor portfolio health through early warning indicators, repayment trends and exception reporting.
• Partner with Product, Operations, Collections and Business teams to strengthen credit controls and improve portfolio performance.
• Prepare risk analytics, management dashboards and portfolio MIS using SQL and Excel.

Senior Credit Manager - Axis Bank - Agra

(2022-05 - 2025-01)

• Conducted credit underwriting for Unsecured Loan and Mid-Market Banking customers.
• Evaluated borrower creditworthiness using bureau reports, Banking behaviors, financial statements and cashflow analysis.
• Performed risk rating assessments, credit structuring and lending recommendations.
• Monitored portfolio performance, covenant compliance and delinquency trends.
• Collaborated with Business, Legal and Operations teams for effective credit decisioning.

Senior Analyst – Risk - CRISIL (S&P Global Company) - Hyderabad

(2021-10 - 2022-05)

• Performed credit risk assessments, portfolio reviews, industry analysis and risk rating assignments.
• Prepared analytical reports and recommendations for rating committees and stakeholders.
• Conducted sector analysis, peer benchmarking and identification of emerging credit risks.

Manager - HDFC Bank - Agra

(2019-03 - 2021-10)

• Managed credit underwriting, customer assessment, portfolio monitoring and risk evaluation activities.

Credit Manager - ICICI Bank - Delhi

(2017-08 - 2019-03)

• Performed credit appraisal, financial analysis, borrower assessment and lending recommendations.

Chartered Accountant - Accounting - Institute of Chartered Accountants of India (2017)

Bachelor of Commerce - Commerce - RBS College (2013)