Shiwani Sahay

BFSI professional with 7.5+ years of experience in Credit Underwriting, Home Loans, LAP, Financial Analysis and Credit Risk Assessment across IDFC FIRST Bank and ICICI Bank. Experienced in end-to-end underwriting, CIBIL analysis, credit decisioning, risk evaluation, documentation and digital lending workflows using FinnOne LOS and Salesforce SFDC.

Since

July 2026, contributing to project-based AI initiatives involving AI training data, annotation, egocentric video, image/audio data collection and data evaluation. Open to opportunities across Credit/Risk, Digital Lending, BFSI/FinTech, Business Analysis, Digital Transformation and AI/Data.

Credit Manager – Prime Home Loan at IDFC FIRST BANK (2021-12 – 2025-09)

• Managed end-to-end credit underwriting and loan appraisal for Home Loan and LAP applications.
• Conducted CIBIL, income/financial analysis, borrower assessment and credit risk evaluation.
• Processed 40–50+ loan cases monthly while maintaining high documentation and credit quality.
• Managed digital lending workflows using FinnOne LOS and Salesforce SFDC.
• Coordinated with Sales, Legal, Technical and Operations teams for approvals and disbursements; contributed to approximately 15% TAT improvement.
• Maintained NPA below 1% and achieved 120%+ of disbursement target; received ACE Award FY2024–25 – Best Credit Manager.

Credit Underwriter – Home Loan & LAP at ICICI BANK (2018-04 – 2021-12)

• Managed end-to-end Home Loan & LAP underwriting, including financial analysis, CIBIL evaluation and credit risk assessment.
• Evaluated borrower profiles, repayment capacity, documentation and creditworthiness as per credit policies.
• Coordinated with Sales, Legal, Technical and Operations teams for timely processing and disbursement.
• Supported identification of credit/fraud risks; received Eagle Eye Award – Fraud Detection and recognized as Top Performer for highest disbursement for 3 consecutive years.

AI Project Contributor at Independent (2026-07 – Present)

• Contributed to project-based AI training-data collection, annotation and evaluation initiatives.
• Worked with egocentric/first-person video, image and audio data for AI model training.
• Performed data annotation, labelling, validation and quality checks following project-specific guidelines.
• Reviewed data for accuracy, consistency and quality compliance.
• Gained practical exposure to Computer Vision, Multimodal AI, Physical AI and Robotics/Embodied AI.

PG Diploma in Banking & Finance – Manipal Academy of Banking (2018)

BBA – Invertis Institute of Management Studies (2015)