Shubham Surkar

Data-driven finance professional with 1+ year experience in credit risk analysis, financial assessment, and loan Underwriting evaluation. Skilled in MS Excel, SQL, Power BI, and loan management systems to perform data-driven credit decisions, risk management, and financial analysis. Passionate about leveraging analytics to optimize processes, mitigate risk, and support business growth.

Branch Credit Manager at CreditAccess Grameen Ltd. (2024-09 – Present)

Conducted credit risk and financial analysis of Home and Business Loan applications, monitored loan portfolio performance, and managed stakeholder relationships.

• Conducted credit risk and financial analysis of Home and Business Loan applications by evaluating borrower income, financial statements, and repayment capacity to assess creditworthiness.
• Utilized Newgen loan management system and data analysis tools (Excel) to review customer profiles, identify potential risk indicators, and support data-driven lending decisions.
• Monitored loan portfolio performance and repayment behavior, performed field verification and documentation checks to strengthen credit due diligence and risk management.
• Processed and reviewed loan applications (Home & Business Loans) by collecting customer documentation, performing preliminary financial profiling, and ensuring accurate data entry in the loan management system.
• Utilized Newgen software and MS Excel to manage customer profiles, verify financial information, and assist in initial credit risk assessment.
• Demonstrated expert stakeholder management by negotiating complex credit terms between central underwriting and branch-level relationship managers, maintaining 100% accuracy in security processing and loan documentation.

Master's of Computer Application in Computer Application – K. K. Wagh Institute of Engineering Education & Research (2021-09 – 2023-09)

Bachelor's of Computer Application in Computer Application – City Premier College (2019-08 – 2021-08)