Preee Chauhan

SME Credit Professional with 2+ years of experience in credit appraisal, credit underwriting, financial analysis, working capital finance, and credit risk assessment. Skilled in financial statement analysis, ratio analysis, MPBF, cash flow analysis, banking analysis, GST, CIBIL, and credit proposal evaluation. Experienced in assessing borrower financials, evaluating working capital requirements, analyzing repayment capacity, and supporting informed credit decisions in SME lending.

Assistant Manager at Ratnaafin Capital Private Limited (2026-04 – Present)

• Conduct credit appraisal and financial analysis of SME and corporate borrowers for working capital facilities.
• Analyze financial statements, P&L, balance sheets, cash flows, and financial ratios to assess financial health and repayment capacity.
• Assess business performance, leverage, liquidity, cash flows, and repayment capacity to identify credit risks.
• Prepare and review credit proposals covering financial analysis, risk assessment, facility structure, and sanction recommendations.
• Manage end-to-end credit assessment from lead evaluation and financial analysis through sanction and onboarding.
• Monitor credit portfolio, asset quality, borrower performance, and early warning signals for effective risk mitigation.
• Coordinate with Credit, Risk, Operations, Legal, and Business teams for timely processing and sanction of proposals.
• Conduct industry and market analysis to assess business risks and sector-specific credit considerations.

Portfolio Officer at Ratnaafin Capital Private Limited (2024-02 – 2026-03)

• Managed a ₹90–100 Cr SME and mid-market credit portfolio across Working Capital, Supply Chain Finance, and Invoice Discounting.
• Assessed working capital requirements, financial position, and creditworthiness of MSME borrowers.
• Analyzed financial statements, banking conduct, GST data, and business requirements for credit assessment.
• Managed end-to-end lending process including appraisal, documentation, sanction, disbursement, and portfolio monitoring.
• Monitored asset quality, repayment behavior, and early warning signals to identify credit risks.
• Structured working capital and Supply Chain Finance solutions based on borrower cash flows and financial capacity.
• Ensured credit policy compliance, risk mitigation, and portfolio quality while managing borrower relationships.

MBA in Finance – Marwadi University (2022-06 – 2024-05)

BBA – Saurashtra University (2019-06 – 2023-05)