• Review all loan and credit requests and make approval decisions. • Collected overdue payments from customers using various methods such as phone calls, emails, or letters.• Ensuring the team adheres to the policy guidelines and monitoring the amendment if required• Identified areas of risk in loan portfolios and developed strategies for mitigating such risks

• Product- Business Loan (Secure Loan & Unsecured Loan)• Credit appraisal of SMEs for fund base exposure like Working Capital, Overdraft/ Term Loan, etc, in categories of Retail, E-commerce, Settlement Finance, and Food industry (online restaurants)• Reviewed and analyzed credit reports, financial statements, and other relevant documents to determine the risk associated with extending credit to customers.• Provided training sessions for new staff members on credit analysis techniques.

• Product- Mortgage (Secure Loan)• Prepared detailed reports summarizing customer profiles, risk assessments, and recommendations for approval • Prepared the credit analysis memorandum (CAM) and submitted loan applications to underwriters.• Analysis of the financial Ratio to determine customer creditworthiness.• Coordinated with legal teams when necessary to ensure compliance with applicable laws and regulations• Analyzed customer payment histories to assess credit risk profiles

• Product- Home Loan & Loan Against Property (Secure Loan) (on 3rd party payroll) • Prepared the credit analysis memorandum (CAM) and submitted loan applications to underwriters.• Reviewed credit applications to assess credit worthiness of potential Customer • Legal and Technical Initiated• Provided training sessions for new staff members on credit analysis techniques

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