Purvai Tandon

Operations Associate

Gurugram, Haryana, India6 yrs 8 mos experience

Key Highlights

Expert in credit risk assessment and underwriting.
Proven leadership in managing credit analysis teams.
Strong background in financial analysis and compliance.

Stackforce AI infers this person is a Fintech professional with a strong focus on credit risk and financial analysis.

Contact

purvaitandon05@gmail.com LinkedIn

Skills

Core Skills

Credit RiskTeam ManagementCredit AnalysisFinancial AnalysisCredit UnderwritingRisk AssessmentCredit Assessment

Other Skills

Active LearningAnnual ReviewsAnti Money LaunderingAttention to DetailBFSIBank ReconciliationBanking analysisBusiness InsightsBusiness LoansBusiness StrategyCapital StructureCash Flow AnalysisCash Flow ManagementCommercial CardsCommercial Credit

About

I am an Credit Manager at Vivriti Capital, a leading NBFC that provides lending solutions SMEs. I have done Master of Business Administration where I learned the fundamentals of financial analysis, banking analysis and credit risk. My core competencies include credit underwriting, due diligence, credit monitoring, and secondary research. In my current role, I am responsible for underwriting deals independently, executing risk and credit assessment, and understanding industry and regulatory trends. I use my credit underwriting and finance skills to assess the borrower's credit worthiness, profitability, liquidity, and business model. I also conduct personal discussions with the founders, promoters, and CXOs of the potential clients, and use a credit scoring model to evaluate the risks. I collaborate with the sales and operations teams to ensure timely and quality delivery of the loans. I am motivated by the opportunity to support the growth and innovation of the startups and SMEs in the fintech sector, and to bring diverse perspectives and experiences to the team.

Experience

6 yrs 8 mos

Total Experience

1 yr 8 mos

Average Tenure

1 yr 8 mos

Current Experience

Stashfin

Manager

Oct 2024 – Present · 1 yr 8 mos · Gurugram, Haryana, India

Lead and mentor a team of credit analysts by providing strategic guidance, technical training, and continuous support to ensure efficiency, quality, and growth.
Spearhead credit risk assessment for complex loan applications across multiple portfolios, overseeing end-to-end underwriting and ensuring adherence to internal credit policies.
Supervise and review credit assessments performed by junior officers to maintain high standards of risk evaluation and regulatory compliance.
Manage a loan book portfolio of ₹3,000 Cr AUM, performing in-depth analysis based on delinquency trends, product segmentation, CIBIL scores, and occupational parameters.
Conduct monthly portfolio reviews, analysing First, Second, and Third payment defaults to identify early warning signals and propose actionable strategies.
Develop and recommend credit policy revisions based on comprehensive portfolio insights, ensuring alignment with organizational risk appetite and market conditions.
Collaborate with Collections and Recovery teams to manage stressed assets, drive resolution strategies, and minimize NPA levels.

credit risk assessmentunderwritingportfolio managementcredit policy revisionsteam leadershipCredit Risk+1

Vivriti capital

Credit Manager

May 2024 – Oct 2024 · 5 mos · Gurugram, Haryana, India

Facilitates lending to existing & new clients (NBFCs & mid-market corporations) by assessing creditworthiness, monitoring clients’ performance on a regular basis, and making suitable recommendations to the credit committees.
Independently prepare comprehensive credit assessment (covering macro-overview, industry/sector, competitor, business, financial and credit analysis) of clients on continuous basis through desk review and on-field diligence and monitoring.
Keep a close watch on allocated portfolio clients. It also includes preparation of detailed proposal notes for internal circulation.
After the due diligence completed, forming a view and suggesting course of action with regards to exposures clients.
Presenting the clients’ credit profile (M.S. word format with about 45-75 pages analysis of the case) to internal team and credit committee to support their decision making.
Follow-up with the sales team, account relationship team and other concerned teams for new sourcing and renewal/review.
Identifying early warning signs of credit deterioration, joint monitoring of portfolio with account relationship team based on early warning systems.

creditworthiness assessmentcredit analysisdue diligencecredit monitoringfinancial analysisCredit Analysis+1

Velocity

2 roles

Assistant Manager

Promoted

May 2023 – Apr 2024 · 11 mos · Bengaluru, Karnataka, India

Underwriting deals independently, executing risk and credit operations for assigned deals in adherence with defined credit frameworks and policies.
Understanding industry and regulatory trends and their impact on customers.
Assessment of borrower's credit worthiness through a thorough analysis of credit history, industry segment, business model, financial statements, MIS, banking to understand profitability and liquidity of clients etc.
Personal discussions with Founders/ Promoters & CFO to understand the current business model, fund raising plans, growth plans, runway, burn etc. Using credit scoring model to assess risks.
Calculating and setting loan interest rates.
Approving and rejecting loans based on established risk management principles and norms.

credit underwritingrisk assessmentfinancial statements analysiscredit scoring modelloan interest rates calculationCredit Underwriting+1

Credit Analyst

Dec 2021 – May 2023 · 1 yr 5 mos · Bengaluru, Karnataka, India

Independently prepared comprehensive business, financial and credit analysis of clients on continuous basis.
Prepared preliminary check summary of all the data to get the bird’s eye view of the case.
Preparation of Credit Assessment Memo (CAM) & completed customer due diligence.
Secondary research to gather additional information about the background of management and the borrower.
Assessed CIBIL of the directors and the applied entity to understand there credit history and adverse situation like Days Past Dues (DPD) or overdue.
Updated all crucial information from tax reports which includes filling summary, revenue history, B2B and B2C concentration.
Assessed 2 consecutive years financial Statements & Monthly P&L along with latest Working Capital Position to understand patterns and utilization of resources by the entity to calculate runway of the company.
Completed banking analysis of all the bank statements of the applied entity to understand revenue & expenses to make a view of cash flow burn of the company.
Analyzed sales report of the entity to understand the revenue flow on the channels & revenue trajectory

business analysiscredit assessment memosecondary researchfinancial statement analysisbanking analysisCredit Analysis+1

Shift

Financial Analyst

Aug 2019 – Nov 2021 · 2 yrs 3 mos · Bengaluru, Karnataka, India

Proficient in E2E credit assessment of new, changed or refinance requests consisting of Document Verification, Credit Appraisal Memo (CAM), Banking Analysis, Financial Statement Analysis, drafting Final Loan Agreement & conducting further Compliance
Additionally, completing credit assessment for New Zealand applications which includes Document verification, Credit Assessment Memo (CAM) & Banking in M.S. Excel & sending the recommendations to Credit Team in Auckland

credit assessmentdocument verificationcompliancefinancial statement analysisCredit AssessmentFinancial Analysis