Tabasum Ansari

Business Development Executive

Kolkata, West Bengal, India6 yrs 8 mos experience

Highly Stable

Key Highlights

Strong foundation in accounting and finance.
Proven risk management and credit analysis skills.
Excellent decision-making and interpersonal abilities.

Stackforce AI infers this person is a Credit Risk Management professional with a focus on Financial Services.

Contact

Skills

Core Skills

Credit Risk ManagementRisk ManagementInternal Control And Risk ManagementQuality Auditing

Other Skills

Credit AnalysisCredit ManagementRisk AnalysisAccounting and finance knowledgeAuditing StandardsRegulatary complianceFraud DetectionReporting and documentationPortfolio ManagementMarket RiskMicrosoft OfficeMicrosoft WordMicrosoft PowerPointMicrosoft ExcelEnglish

About

I am a graduate student of bachelor of Commerce in Accounting, currently seeking an entry level opportunity to consolidate the strength of the accounting knowledge acquired; gain experience on how to adapt at system implementation, management of accounting system and procedure. I am fast and well attentive learner, with an eye for detail, who thrives under pressure and excel despite the odd. A reputed, with excellent decision making skills. I have good interpersonal and analytical skills, a team player who can adapt in any environment. I believe a graduate programme in accounting or finance will be the best way for me to kick starts my career as an aspiring accountant. I hope my skills will make me a sting candidate for the vacancy.

Experience

Dar credit & capital ltd. - india

Credit Executive

Dec 2025 – Present · 3 mos · Kolkata, West Bengal, India · On-site

1. Credit Appraisal & Underwriting
Appraise LAP proposals for self-employed and salaried borrowers as per NBFC credit policy
Analyze bank statements, ITRs, GST returns, cash flows, and bureau reports
Assess borrower stability, leverage, and repayment capacity
Structure loans with appropriate ROI, tenure, LTV, FOIR, and risk grade
2. Portfolio Quality & Risk Management
Maintain healthy asset quality (controlled GNPA / NNPA)
Identify early stress signals and recommend preventive action
Ensure prudent underwriting in BT, top-up, and high-ticket LAP cases
Monitor concentration risk (geography, property type, borrower profile)
3. Turnaround Time (TAT) & Productivity
Achieve defined credit approval TAT without compromising quality
Balance business pressure with risk controls
Improve sanction-to-disbursement conversion ratio
4. Policy Adherence & Compliance
Ensure strict adherence to internal credit policy and RBI NBFC norms
Close audit observations (internal, concurrent, statutory) within timelines
Ensure compliance with KYC, AML, and Fair Practice Code
5. Property, Legal & Technical Due Diligence
Review and approve legal search reports, EC, title flow, and valuation reports
Ensure property marketability, correct valuation, and acceptable legal risk
Manage high-risk properties (leased, inherited, multiple owners, old constructions)
6. Business Enablement & Deal Structuring
Support sales teams with deal structuring within risk framework
Provide credit guidance to improve proposal quality
Participate in product enhancements and credit policy reviews
7. Stakeholder & Cross-Functional Coordination • Coordinate with sales, operations, legal, technical, and collections teams
Handle credit escalations and exception cases
8. MIS, Analytics & Reporting
Maintain credit MIS, approval trackers, and portfolio health reports
Analyze rejection trends, delinquency drivers, and policy gaps.

Credit AnalysisCredit ManagementCredit Risk ManagementRisk AnalysisRisk Management

Vfs capital

Senior Executive - Internal Audit

Mar 2025 – Nov 2025 · 8 mos · Kolkata, West Bengal, India · On-site

Quality AuditingAccounting and finance knowledgeInternal control and risk managementAuditing StandardsRegulatary complianceFraud Detection+1

Ujjivan small finance bank

5 roles

Credit Officer

Promoted

May 2023 – Feb 2025 · 1 yr 9 mos

1. Underwrite open market and high ticket size individual loan - Business, livestock, Home improvement through personal discussion.
2. Ensure compliance to kyc norms, policy criteria and documentation. Thorough assessment of repayment capacity, cash flow, character along with bureau check, reference check, third party verification and other related checks on field.
3. Execute action plans of needs improvement and meet expectation branches in co-ordination with business team.
4. Monitoring the STP of the assigned branches and ensuring increasing trend of the same through regaular training.
5. Observation and escalation of cases where breach / deviation of policy and process (During Pd/luc/Od visit) and co-ordination with audit and vigilance for necessary and timely action.
6. Keeping credit stage TAT in check. Close co-ordination with branch staff to ensure smooth flow of application and backend credit activities.
7. Timely escalation of deviations with proper recommendation and response on branch and customer queries and issues.

Credit AnalysisCredit Risk ManagementCredit ManagementPortfolio ManagementRisk ManagementRisk Analysis+1

OFFICER - GL CREDIT BACKEND

Dec 2022 – May 2023 · 5 mos

Policy & processes underwrite group loan through personal analytical skill. Ensure compliance to kyc norms, policy criteria & documentation. Thorough assessment of repayment capacity, cash flow, character along with bureau check. Execute action plans of needs improvement and underwriting branches in coordination with distribution team maintains credit policy and process adherence in the branches. Observation and escalation of cases where breach and deviation of policy and process.
Monitoring the STP of the assigned branches & ensuring increasing trend of the same through regular trainings.
Co-ordination with Audit and Vigilance for necessary and timely action keeping credit stage TAT in check.
Close co-ordination with branch staff to ensure smooth flow of application and backend credit activities.
Ensure to implement all the process related changes at regional level effeciency through training and branch visit. Ensure proper collection of 0-90 days DPD cases in the area under regional portfolio.
Timely escalation of deviation with proper recommendation and response on branch and customer queries and issues.
SKILLS :
Knowledge of credit in GL Loans including term loans and business analytical skills along with basic computer knowledge i.e. Ms-office and outlook.
Kyc norms and guidelines for business and family loans.
Fluent in the local language and can read-write English.