Over 12 years of experience in the Banking Industry with a focus on Credit Risk assessment across diverse portfolios including credit cards, home loans, mortgage loans, vehicle loans, and loans against rentals.
Overview
13
13
years of professional experience
Work History
Credit Risk Analyst
05.2022 - Current
Delivered required changes by analyzing, designing, developing, testing, and implementing solutions for risk management teams.
Secured stakeholder sign-off on policy understanding documents within set timelines.
Developed cutover checklists and monthly release schedules while resolving issues and ensuring compliance.
Engaged in discussions to clarify user stories and assess solution feasibility.
Maintained compliance with quality standards during implementation phases.
Formulated road maps to streamline application processes for improved efficiency.
Oversaw application life cycle monitoring to enhance checks and minimize booking errors.
Achieved sign-off from business and IT users regarding product fitments and solution strategies.
Credit Analyst
Lakshmi Vilas Bank
05.2017 - 05.2022
Specialized in credit underwriting for secured and unsecured products, including home and personal loans.
Analyzed credit data to evaluate loan applications and assess borrower risk.
Reviewed financial statements to establish creditworthiness and repayment capability.
Collaborated with loan officers to gather documentation required for loan approvals.
Prepared comprehensive reports on credit analysis for management evaluation.
Validated legal documents, encumbrance certificates, and property valuation reports for mortgage loans.
Managed preparation of credit proposal notes for presentation to credit committee members.
Monitored post-disbursement compliance activities, ensuring adherence to document collection protocols.
Credit Analyst
YES Bank
04.2016 - 01.2017
Contributed to initialization of credit card underwriting process.
Collaborated with policy team on credit card lifecycle development.
Engaged with Business Management to align project objectives and strategies.
Credit Analyst
HDFC Bank
03.2013 - 04.2016
Oversaw credit card underwriting process and ensured adherence to policies.
Evaluated creditworthiness of clients through comprehensive profiling and analysis.
Conducted auto decline evaluations, contact point verification, and limit assessments.
Managed underwriting functions for high net worth individuals in 'Preferred' portfolio.
Reviewed loan applications and KYC documents for accuracy and compliance.
Determined borrowers' capacity to repay financial obligations based on available data.
Assigned credit limits according to clients' credit profiles and risk assessment.
Maintained turnaround times for loan applications while addressing regional customer queries.