Credit analyst & underwriting professional with 4+ years of experience in appraisal, credit-risk assessment and mortgage lending — pairing banking rigour with growing data, Python & AI capabilities.
I'm a banking professional with 4+ years in credit at Union Bank of India. My work spans credit appraisal, borrower cash-flow assessment, credit-bureau analysis, mortgage lending and loan-processing improvements — focused on supporting lending growth through careful credit assessment and efficient execution.
I assess repayment capacity, surface undisclosed liabilities and credit-stacking patterns, review collateral risk and coordinate with DSA partners to progress proposals. I've contributed to improvements across appraisal workflows, customer repayment analysis, KYC checks and post-sanction documentation.
Beyond the balance sheet, I'm an M.Sc. Computer Science candidate, actively building Python and AI skills to support practical improvements in banking processes. My professional interests: credit management, underwriting, portfolio quality and lending operations.
Building practical data & AI tooling for banking — from repayment dashboards to loan-processing automation.
Flagged circular transaction patterns during assessment of a ₹1.5 crore home-loan proposal — surfacing material credit concerns that shaped the decision.
Woolf
In progress · building data & Python depthUniversity of Mysore
Ravenshaw University
Open to opportunities in credit, underwriting, portfolio quality, lending operations — or data-driven roles where banking meets Python. I'd love to hear from you.