Antony Frazer I

Operations Associate

Chennai, Tamil Nadu, India1 yr 3 mos experience

Key Highlights

1.5 years of experience in credit evaluation and loan underwriting.
Proficient in financial analysis and risk assessment.
Skilled in managing high-volume loan portfolios.

Stackforce AI infers this person is a Credit Risk Analyst with expertise in Fintech and financial services.

Contact

Skills

Core Skills

Credit Underwriting & Risk AssessmentLoan Eligibility Assessment (foir, Ltv, Emi Calculation)

Other Skills

Tele PDFI & FCU CoordinationCredit Appraisal Memo (CAM) PreparationMIS Reporting & Data Analysis (Microsoft Excel)Business AdministrationData AnalysisInventory ManagementRetail SalesFinancial ServicesAccountingBankingFinancial AnalysisCapital MarketsTally ERPIBM SPSS Statistics

About

Credit Associate with 1.5 years of experience in retail and MSME loan underwriting within an NBFC. Experienced in end-to-end credit evaluation, including detailed analysis of bank statements (Savings, Current, OD), GST returns, and Income Tax Returns to assess borrower creditworthiness, repayment capacity, and financial stability. Proficient in calculating FOIR, EMI eligibility, and structuring loan proposals in line with internal credit policies. Skilled in preparing Credit Appraisal Memos (CAM), conducting Tele PD, and coordinating FI/FCU verification for effective customer validation and risk mitigation. Adept at managing high-volume loan portfolios, maintaining MIS reports, and supporting accurate and timely credit decision-making. Looking for Credit Analyst, Credit Executive, CPA, Credit Underwriting, Credit Assistant, Immediate Joiner.

Experience

1 yr 3 mos

Total Experience

1 yr 3 mos

Average Tenure

Current Experience

Finplex technologies private limited

2 roles

Associate Credit Manager

Apr 2024 – Aug 2025 · 1 yr 4 mos · Hybrid

Reviewed and validated Credit Appraisal Memos (CAM) for retail and MSME loan proposals to ensure accuracy, completeness, and policy compliance.
Performed detailed credit analysis by evaluating KYC documents, financial statements, bank statements, and CIBIL reports to assess borrower creditworthiness.
Assessed income, cash flow patterns, and repayment capacity through comprehensive financial and banking analysis.
Calculated loan eligibility using FOIR and other financial parameters in line with internal credit policies.
Conducted Telephonic Personal Discussions (Tele-PD) to validate customer income, business operations, and repayment intent.
Coordinated and supported Physical Personal Discussions (PD) to verify business existence, operational stability, and customer credibility.
Initiated and coordinated Field Investigation (FI) and Fraud Control Unit (FCU) checks for customer validation and risk mitigation.
Verified GST returns (GSTR-1, GSTR-3B) and Income Tax Returns to assess business turnover, profitability, and income consistency.
Identified discrepancies, red flags, and data inconsistencies, ensuring accuracy of financial information and supporting documents.
Updated borrower financial details and case status in CAM/LOS, ensuring accurate tracking across processing stages.
Maintained MIS reports and credit documentation to support operational tracking and informed credit decision-making.
Coordinated with internal stakeholders and customers for document collection, verification, and timely processing of loan applications.

Credit Underwriting & Risk AssessmentLoan Eligibility Assessment (FOIR, LTV, EMI Calculation)Tele PDFI & FCU CoordinationCredit Appraisal Memo (CAM) PreparationMIS Reporting & Data Analysis (Microsoft Excel)

Management Trainee

Apr 2024 – Jun 2024 · 2 mos · Hybrid

Working In Finplex Technologies as Management Trainee.

Business AdministrationData Analysis

Birla carbon

MBA Project & Industrial Training

Jan 2023 – Mar 2023 · 2 mos · Gummidipoondi · On-site

Collaborated with Finance, Sales, and Materials teams to understand end-to-end business and financial processes.
Analyzed inventory levels, stock movement, and reorder points to support effective inventory management.
Prepared MIS and stock reports to assist in internal tracking, analysis, and decision-making.
Gained practical exposure to Accounts Receivable, Accounts Payable, and cash flow management processes.
Evaluated vendor performance and inventory control mechanisms to support operational efficiency.

MIS Reporting & Data Analysis (Microsoft Excel)Inventory Management