• Spearheading the customer onboarding process through digitized onboarding model for retail loan and Card products• Identifying Auto loan proposal for retail and corporate customers; managing all credit related queries• Ensuring the company credit exposures within set risk bearing limits and conducting analysis of financial statements and analysts determine the credit-worthiness of people or companies• Leveraging skills in proposing recommendation and presentation to the credit… Show more • Spearheading the customer onboarding process through digitized onboarding model for retail loan and Card products• Identifying Auto loan proposal for retail and corporate customers; managing all credit related queries• Ensuring the company credit exposures within set risk bearing limits and conducting analysis of financial statements and analysts determine the credit-worthiness of people or companies• Leveraging skills in proposing recommendation and presentation to the credit Committee for higher limit/deviation cases• Driving operational Risk controls through an independent Quality Assurance Unit for Credit & Ops which performed RCSAs, concurrent file and documentation audit, verification quality controls and gap analysis• Performing regulatory audits, statutory audits & shareholder queries• Working as the member of the credit committee, making recommendations for revisions in the credit polices based on data analysis• Rendering support, guidance, leadership and motivation to promote maximum performance• Obtaining sufficient information to assess the credit-worthiness of newly proposed and existing customers and ensured that all clients meet the company requirements• Implemented & managed the automated scores & underwriting overlays to transform the credit underwriting division. Resulted in 50% TAT reduction and increased underwriting efficiency Show less

• Identified new accounts in Auto Loan and Personal loans as per requirements of the U.A.E market• Ensured pre-launch system developments and software testing’s (Finnone Application)• Monitored back up for underwriting of Personal Loans and Sales Finance

• Developed and provided initial report of File Quality to Pan-India branches followed by the final report to the Credit & Risk Director• Exhibited leadership skills in managing a team of 5 FTEs and vendor staff in conducting various Credit Quality related audits such as RBO Analysis, Verification Report Analysis, Non-Starter Analysis, Skip Analysis, Fraud checks besides Post Authorization File Reviews on a monthly basis• Evaluated file issues on a location level and constant feedback… Show more • Developed and provided initial report of File Quality to Pan-India branches followed by the final report to the Credit & Risk Director• Exhibited leadership skills in managing a team of 5 FTEs and vendor staff in conducting various Credit Quality related audits such as RBO Analysis, Verification Report Analysis, Non-Starter Analysis, Skip Analysis, Fraud checks besides Post Authorization File Reviews on a monthly basis• Evaluated file issues on a location level and constant feedback provided to the branches for bringing out the error rates• Organized Credit Quality trainings for branches and outsourced vendors making them understand the relevance of maintaining error less files• Ensured Credit Quality for Personal Loans and Sales Finance portfolio by conducting the Post Authorization File reviews on a monthly basis by bringing out the process issues/lapses and file errors Show less