Uttam Shaw

Results-driven Credit Manager specializing in secured MSME lending, with a proven record of underwriting high-quality loan portfolios under tight turnaround targets. Evaluates secured business loans from Rs. 5 lakh to Rs. 1 crore across retail trade, manufacturing, and services borrowers, combining rigorous financial statement analysis, GST/ITR review, cash flow assessment, and collateral evaluation with hands-on use of Loan Origination Systems (LOS) and CIBIL. Delivers a 4-day average turnaround, sustains a sub-2% NPA/overdue ratio across 450+ active accounts, and produces CAM documentation that withstands audit and RBI scrutiny.

Effective cross-functional collaborator across Business, Operations, Legal, and Collections teams.

Assistant Branch Credit Manager at Veritas Finance Limited (2024-07 – Present)

• Underwrite 40-50 secured MSME loan proposals every month, totalling Rs. 1.5-2 crore in proposal value at an average ticket size of Rs. 8 lakh, balancing credit quality with throughput.
• Deliver end-to-end credit appraisals on secured business loans from Rs. 5 lakh to Rs. 1 crore, sustaining a 4-day average turnaround time (TAT).
• Manage a branch loan book of 450+ active accounts, monitoring exposure and repayment behaviour to identify risk early.
• Cleared 130+ loan cases in the most recent month alone while maintaining full documentation quality and service-standard compliance.
• Maintain the portfolio's NPA and overdue (OD) ratio below 2% through disciplined underwriting and proactive follow-up on early-warning accounts.
• Analyze financial statements, GST returns, Income Tax Returns, bank statements, and cash flow patterns to assess true repayment capacity beyond stated income.
• Conduct CIBIL checks, business and residence verifications, and collateral assessments, supplementing paperwork with direct borrower discussions to surface hidden risk.
• Draft audit-ready Credit Appraisal Memorandums (CAM) with clear financial analysis, risk flags, and defensible lending recommendations.
• Collaborate daily with Business, Operations, Legal, Technical, Collections, and Audit teams to keep loan processing fast and RBI-compliant.
• Earned a "Very Good" rating in the latest annual appraisal for underwriting quality, productivity, and portfolio management.

Finance & Accounts Intern at Gretex Corporate Services Limited (2023-08 – 2023-11)

• Performed bookkeeping, bank reconciliation, payroll processing, and GST/TDS compliance tasks using Tally ERP.
• Contributed to statutory audits, building the financial-documentation expertise that now directly supports current CAM preparation and underwriting work.

MBA (Finance) + PGPFM in Finance – Bengal Institute of Business Studies (2024)

B.Com (Honours) in Commerce – Acharya Jagadish Chandra Bose College (2021)

Class XII – St. Anthony High School (2018)

Class X – St. Anthony High School (2016)