Pavan Chary

Result-oriented and analytical Finance Professional with an MBA in Finance and extensive experience across credit operations, loan processing, and underwriting. Proven track record in auditing applicant files, verifying KYC documentation, performing detailed financial health checks, and generating CIBIL reports to determine creditworthiness. Fully adept at utilizing core banking applications like FinOne Cloud and Axis to streamline workflows, ensure regulatory compliance, and mitigate risks effectively.

Credit Officer - Saarathi Finance & Credit Pvt Ltd - Hyderabad, India

(2025-04 - 2026-02)

• Managed end-to-end processing and auditing of customer credit applications utilizing the FinOne Cloud platform.
• Conducted thorough reviews of KYC documents, salary slips, and bank statements to assess borrower creditworthiness and financial health.
• Generated and analyzed CIBIL credit reports to evaluate historical credit behaviors and risk parameters.
• Executed the Data Delivery & Entry (DDE) phase accurately before routing cases to the Credit Manager queue for high-level underwriting reviews.
• Conducted formal Personal Discussion (PD) visits directly with applicants to comprehensively evaluate profile eligibility and ground-level stability.
• Supervised final pre-disbursement document checklists, ensuring absolute compliance before securely transferring approved funding to client accounts.

Senior Level Credit Operation Associate (COA) - Hiranandani Financial Service Company - India

(2024-03 - 2025-04)

• Facilitated seamless loan application lifecycles by managing high-volume system entries and workflows via the Axis Application.
• Performed in-depth financial analysis of credit files including identity validation, income assessments, and banking statements.
• Supported credit underwriting functions with data-driven evaluation of client debt capacities and risk thresholds.
• Maintained flawless customer records, strictly enforcing regulatory guidelines and corporate compliance parameters.
• Executed manual operational procedures and reconciliations during critical month-end closing windows.

Process Analyst - Optum Global Solution Company Pvt Ltd - India

(2023-08 - 2024-01)

• Managed the precision provisioning, creation, and secure delivery of international medical health insurance identification credentials.
• Utilized specialized technical frameworks and core operating software including Axis, Command Prompt, Fiserv, and Emma platforms to fulfill daily strict SLAs.

Junior Level Credit Process Associate (CPA) - PNB Housing Finance Home Loan Service - India

(2022-04 - 2023-05)

• Logged applicant files into the core systems and initiated verification cycles for mandatory KYC and financial income structures.
• Drafted formal Credit Appraisal Memos (CAM) outlining structural ratios and stability indicators to aid underwriting determination.
• Pulled system-generated CIBIL history scores to cross-check financial health and clear risk alerts.
• Extended analytical and documentation support to downstream collection and recovery management wings.

MBA - Finance - CSI Institute of PG Studies, Secunderabad (2020 - 2022)

B.Com - Bachelor of Commerce - New Science College, Hyderabad (2016 - 2019)

Intermediate - CEC - New Govt. Jr College, Secunderabad (2014 - 2016)

S.S.C - Secondary School Certificate - Gosha Cut Boys High School (2003 - 2014)