Niketa Karira

To work in company where I can utilize my knowledge and skills to give my best for the growth of the company.

Credit Underwriter - Liquiloans (NDX P2P Private Limited)

(2021-12 - 2026-03)

• Loan Approval & Rejection: Evaluated loan applications by reviewing credit reports, financial documents, and customer profiles. Provided detailed recommendations for loan approvals or rejections based on established credit policies, risk parameters, and financial criteria.
• CIBIL & Credit Report Analysis: Conducted thorough assessments of applicants' credit histories using CIBIL scores and other credit reports, identifying red flags such as late payments, defaults, and credit utilization. Ensured compliance with internal lending standards.
• Financial Parameters Check: Scrutinized key financial metrics such as income, debt-to-income ratio, assets, liabilities, and cash flow to assess the applicant's ability to repay the loan. Considered external factors such as market conditions to make informed decisions.
• Televerification with Customers: Conducted telephonic verifications to validate applicant details, confirm employment, and verify financial statements. Ensured the authenticity of application information and proactively addressed any discrepancies
• Bounce Analysis Reports: Reviewed and analyzed cheque bounce reports, transaction histories, and bank statements to assess payment reliability and potential risks in borrower behavior, flagging high-risk applicants.
• Risk Mitigation: Identified and mitigated potential risks by implementing effective strategies, such as adjusting loan terms, offering alternative solutions, or advising on corrective actions. Ensured compliance with all regulatory and internal risk management policies.
• Collection Audit Report: Assisted in auditing collection activities, identifying delinquent accounts, and ensuring collections processes were in line with company standards. Worked alongside the collections team to track overdue loans and enhance recovery strategies.
• Customer Communication & Support: Interacted with applicants to explain credit decisions, address concerns, and guide them on the next steps. Ensured transparency in communication and maintained a high level of customer satisfaction.
• Reporting & Documentation: Prepared and maintained accurate records of underwriting decisions, risk assessments, and approval/rejection reports. Regularly submitted underwriting metrics and performance reports to senior management for analysis and decision-making.

Bachelor of Commerce - Accounting and Finance - Seva Sadan College (Mumbai University) (2019-06)

Higher Secondary Certificate - New English College (Maharashtra State Board) (2016-03)

Secondary School Certificate - Netaji English Medium School (Maharashtra State Board) (2014-05)