Vinayshetty N

As a Credit Associate with extensive knowledge of banking operations and strong management skills, I am committed to driving success and innovation in the financial sector. I aim to leverage my expertise to explore new opportunities and achieve greater heights in my career.

Assistant Manager - Arohan financial service ltd

(2025-09)

• Conducted end-to-end underwriting of business loans, including financial analysis, credit risk assessment, and approval recommendations.
• Recommended loan cases with ticket sizes up to ₹5 lakhs in accordance with company policies and credit guidelines high-value loan cases by analyzing 1-year bank statements, business vintage proof, and CIBIL reports.
• Via video call customer discussions to assess business vintage, income stability, and overall for loan underwriting decisions.
• Managed and processed loan cases across both South and North regions.

Senior Executive - Aeon Credit Service Private Limited

(2023-12 - 2025-02)

Experience in Two-wheeler and Personal Loan division

• Approving Two-wheelers loans upto 90% (LTV), ensuring as per policy
• Cross-verifying all KYC documentation, banking details and CIBIL reports
• Checking CIBIL reports and other documents, processing them for further approval
• Cross-verifying relevant documents for personal loans, approving loans upto 5 lakhs

Senior Credit Process Associate - Werize

(2022-10 - 2023-12)

Experience in Personal Loan division and Business Loan

• Customer Verification & Loan Approval: Verified customers details via call and approved their loan amounts.
• Underwriting Review: Reviewed and verified borrowers' income, bank statements, credit reports, EMI obligations, and employment history for underwriting submission.
• CIBIL Checks: Conducted checks on CIBIL reports and other documents, processing them for ither approval.
• KYC & Sanctioning: Verified KYC, pay slips, and bank statements to sanction loans.

Credit Associate - Propelled

(2020-07 - 2022-10)

Experience in educational loan division.

• Document Verification & Approval: Cross-verified all relevant documents for educational loans, approving loans up to 15 lakhs.
• Underwriting Review: Reviewed and verified borrowers' income, bank statements, credit reports, EMI obligations, and employment history for underwriting submission.
• CIBIL Checks: Conducted checks on CIBIL reports and other documents, processing them for further approval.
• KYC & Sanctioning: Verified KYC, pay slips, and bank statements to sanction loans.

Credit Executive - Bussan Auto Finance India Pvt Ltd

(2014-09 - 2020-05)

Experience in the two-wheeler loan and personal loan division

• Experienced in login and underwriting of two-wheeler and personal loans, ensuring efficient risk assessment and loan processing.
• coordinate daily with the HO Credit team, providing MIS reports and managing operational workflows.
• Responsible for managing and approving vehicle loans across Karnataka and Kerala ROs.
• Diligently verify KYC, pay slips, and bank statements to sanction loans while ensuring compliance with internal policies.

Bachelor of Commerce - Karnataka Open State University (2012 - 2014)

PUC - Governement PU College (2009 - 2011)