Hi, I’m Shravan Pandey – a Credit Manager with 4+ years of experience in housing finance, currently working at ESAF Small Finance Bank. I’ve handled hundreds of credit cases across salaried and self-employed profiles, including informal income customers. Through my real-time learnings from ICICI Bank, Sammaan Capital,JM Housing and now ESAF Small Finance Bank , I’ve built deep practical knowledge in PD discussions, FOIR/LTV analysis, income assessment, and end-use verification. Today, I also work as a personal credit career mentor for students, freshers, and working professionals. My 1:1 sessions cover real underwriting training, AI tools in credit (like ChatGPT), resume & LinkedIn optimization, and job interview prep for credit roles. 🔹 Featured on LinkedIn India 🔹 Conducted seminars in top colleges 🔹 Helping 1000+ credit professionals grow their career If you want to improve your PD skills, prepare for a credit interview, or learn how to use AI in underwriting, book a session now and take the first step towards becoming a better Credit Manager. Let’s grow your knowledge, confidence, and career—with real guidance.