Saroj Sharma

Credit Risk and Underwriting professional with 2.5 years of experience evaluating commercial lending applications, conducting financial analysis, performing credit risk assessments, and managing business loan portfolios. Experienced in reviewing business credit reports, verifying documentation, conducting due diligence, and making risk-based underwriting decisions while consistently meeting service-level turnaround requirements. Demonstrated success managing a ₹10+ crore portfolio and underwriting 200+ customer accounts.

Strong collaborator with Sales, Operations, Collections, and customers, focused on balancing portfolio quality with business growth.

Deputy Branch Credit Manager at KINARA CAPITAL PRIVATE LIMITED (2023-09 – 2025-12)

• Underwrote 200+ small business loan applications by evaluating financial information, repayment capacity, customer profiles, and supporting documentation.
• Managed a commercial loan portfolio exceeding ₹10 Crore, ensuring portfolio quality while supporting sustainable business growth.
• Exercised delegated underwriting authority for credit proposals up to ₹20 Lakhs.
• Reviewed business credit bureau reports using CIBIL, CRIF High Mark, and Experian to assess repayment history and overall credit exposure.
• Performed detailed financial and operational due diligence before recommending approvals.
• Verified ownership structures, customer identity, business operations, and supporting documentation through internal procedures and third-party validation.
• Reviewed KYC documentation, financial records, bank statements, and other supporting information to determine application quality.
• Identified inconsistencies and escalated higher-risk applications for additional review.
• Worked closely with Sales, Operations, Collections, and customers to resolve underwriting queries and documentation deficiencies.
• Maintained excellent turnaround times while consistently meeting internal SLA requirements.
• Assisted in improving underwriting workflows to enhance operational efficiency and decision quality.

Master of Commerce in M.Com – University of Mumbai (IDOL) (2023)

Bachelor of Commerce in B.Com – Guru Nanak Khalsa College of Arts, Commerce & Science (2019)

HSC – Bharat College of Arts, Commerce & Science (2016)

SSC – Vasant Vihar High School & Jr. College (2014)