As a Credit Manager, I managed credit underwriting for secured and unsecured retail asset loans. I have a proven track record of increasing loan approvals, reducing default rates, and enhancing customer satisfaction by developing customer 360 relationships with a diverse portfolio of clients. I also ensure compliance with audit parameters and regulatory standards, and achieve prompt turnaround time (TAT) for loan processing.I have a strong background in credit underwriting, MIS reporting, and dedupe checking. I have applied these skills in my previous roles as a Credit Manager at ICICI Bank ,HDFC Bank and as Credit Executive at Axis Bank, where I was responsible for underwriting unsecured loans, maintaining portfolio, screening mortgage loan applications, and checking disbursement dockets. I am skilled in financial analysis, financial risk management, and banking, and have received multiple honors for my performance, including a Pan India Rank 10th in Customer 360 and a top 20 rank in East Region. I am seeking new opportunities to leverage my expertise and contribute to the success of the credit management industry.