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Shubham Tiwari is an experienced banking professional with a strong background in credit management and service quality. At Ujjivan Small Finance Bank, Shubham has held multiple roles since June 2014, including Area Collections Manager, Cluster Collection Manager, Area Manager- Service Quality, Customer Relationship Manager, and Credit Officer- IL, focusing on areas such as loan policy, working capital management, credit appraisal, and financial analysis. Previously, Shubham interned at Indian Overseas Bank, where involvement in live projects and case studies on credit appraisal was undertaken. Educational qualifications include a certification from the Indian Institute of Banking and Finance in 2019, an MBA in Finance from Future Business School (2012-2014), and a BBA in Business Administration and Management from The Calcutta Angalo Gujrati College (2009-2012).