Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Shefali Dadarwal

Mumbai

Summary

Senior Credit & Risk Management Professional with over 10 years of experience in evaluating creditworthiness, formulating underwriting frameworks, and developing digital credit strategies across banks and fintech organizations. Proven expertise in credit policy creation, risk governance, compliance alignment, and team leadership. Adept at driving portfolio growth while maintaining asset quality and regulatory compliance in unsecured and secured lending environments.

Overview

11
11
years of professional experience

Work History

Senior Manager – Digital Banking

Unity Small Finance Bank
07.2024 - Current
  • - Designed and implemented underwriting policies for unsecured business and personal loans (Marketplace + Organic models); ensured alignment with regulatory guidelines and integrated into LOS.
  • - Led risk register maintenance per DLG norms and ensured seamless compliance integration across journeys and documentation.
  • - Spearheaded internal audits and SOP rollouts, improving underwriting efficiency and minimizing errors.
  • - Mentored a 3-member credit team; trained staff on Tele PD and disbursement workflows.

Manager – Strategic Initiatives

Lendingkart
01.2024 - 07.2024
  • - Bridged communication between credit and strategic teams to enhance credit decision-making and policy alignment.
  • - Provided data-driven risk analysis for onboarding of channel partners and optimized credit performance across portfolios.
  • - Supported Data Science in building policy simulations and contributed to business decision matrices.

Manager – Underwriting Monitoring

BharatPe
02.2023 - 12.2023
  • - Created and refined credit policies/BREs for various unsecured loan channels.
  • - Launched digital onboarding policies with a focus on merchant credit profiling and regulatory compliance.
  • - Conducted root-cause analysis on alerts, implemented performance tracking for new underwriting tools (GST, Banking), and collaborated with Co-Lending & Strategy teams for partner assessment.

Credit Lead

OLX Autos
01.2022 - 02.2023
  • - Evaluated wholesale credit for used car dealers using hybrid appraisal models.
  • - Designed credit frameworks and reporting templates to track liquidity and early warning signals.
  • - Delivered credit training sessions and created evaluation SOPs for team-wide adoption.

Senior Credit Manager

Indifi Technologies Pvt Ltd
01.2017 - 12.2021
  • - Appraised SME/MSME loans (INR 1–100 lakhs) and managed credit portfolio of INR 1600 Cr.
  • - Developed GEN2 Scorecard and co-led the digital loan journey implementation, enhancing approval speed and conversion rates.
  • - Led 9-member team; standardized credit operations with SOPs and internal training modules.

Branch Credit Manager

Dewan Housing Finance Corporation Ltd. (DHFL)
06.2014 - 12.2016
  • - Underwrote home and LAP loans for salaried/self-employed applicants.
  • - Maintained compliance with turnaround timelines and risk norms.
  • - Interfaced with legal and technical partners for timely loan processing.

Education

MBA - Finance

Amity University
01.2014

Certification - Risk Management

British Standard Universe
01.2014

B.Com - undefined

Rajasthan University
01.2011

Skills

  • - Credit Risk Assessment & Policy Formulation
  • - Underwriting – Secured & Unsecured Loans
  • - Portfolio Monitoring & Early Warning Systems
  • - Digital Lending & LOS/LMS Optimization
  • - Risk Governance & Compliance (DLG, RBI)
  • - Stakeholder Management & Strategic Initiatives
  • - Tools: Power BI, MS Excel (Advanced), Salesforce, SQL (Basic)

Languages

English (Fluent)
Hindi (Fluent)
Spanish (Basic)

Timeline

Senior Manager – Digital Banking

Unity Small Finance Bank
07.2024 - Current

Manager – Strategic Initiatives

Lendingkart
01.2024 - 07.2024

Manager – Underwriting Monitoring

BharatPe
02.2023 - 12.2023

Credit Lead

OLX Autos
01.2022 - 02.2023

Senior Credit Manager

Indifi Technologies Pvt Ltd
01.2017 - 12.2021

Branch Credit Manager

Dewan Housing Finance Corporation Ltd. (DHFL)
06.2014 - 12.2016

Certification - Risk Management

British Standard Universe

B.Com - undefined

Rajasthan University

MBA - Finance

Amity University

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Shefali Dadarwal