Close to 11 years of experience in financial services, specializing in credit underwriting, product innovation, and managing solutions across India, Southeast Asia, UAE, Middle East, and Africa. Developed Credit Assessment Memo (CAM), a credit underwriting automation solution that integrates financial data, demographics, KYC, external databases, industry intelligence, and forecasting models. Pioneered a Generative AI-powered credit underwriting product, transforming traditional workflows with cutting-edge technology. Automated complex underwriting policies, improving efficiency, accuracy, and risk assessment. Proven track record as a Credit Manager for mortgage loans in retail and commercial banking with top Housing Finance Companies. Passionate about leveraging technology to drive innovation and scalability in the fintech and banking sectors.