Shilpa S.

I am a finance professional with experience in credit analysis, underwriting, financial statement analysis, and credit risk assessment, complemented by a strong academic background in commerce and business analytics. I hold an M.Com in Accounting and Taxation and have pursued further learning in business analytics and data science. In my professional experience as a credit analyst, I have worked on evaluating borrower profiles, analysing financial statements, assessing creditworthiness, interpreting credit bureau reports such as CIBIL, CRIF, and Experian, identifying potential lending risks, and supporting informed credit decisions. My experience combines financial analysis with a data-driven approach to understanding lending and credit risk. Alongside my finance experience, I have a background in teaching, training, and academic support, which has helped me develop the ability to explain complex concepts in a simple, structured, and practical manner. Through UrbanPro, I aim to conduct sessions and develop learning materials on credit analysis, financial statement interpretation, credit underwriting, credit bureau report analysis, borrower assessment, credit risk fundamentals, and practical case studies. My focus is on helping learners understand real-world credit evaluation processes and develop job-relevant skills for careers in banking, NBFCs, fintech, and lending.