Summary
Overview
Work History
Education
Skills
Software
Certification
Additional Information
Interests
Languages
Personal Information
Timeline
Generic
AMAL  JOY

AMAL JOY

Underwriter
KOCHI

Summary

Experienced Credit manager with over 12 years of experience in Finance Industry with good underwriting skills . Excellent reputation for resolving problems and improving customer satisfaction. Possessing vast understanding of credit reporting agencies and in-depth knowledge of job-related software, including LOS, APS, SFDC and LMS. Bringing 10 year background managing credit files, analyzing credit applications and monitoring credit reviews. Comfortable working in team-setting and using logical approaches to find best solutions to complex problems.

Overview

11
11
years of professional experience
8
8
years of post-secondary education
2
2
Certifications
4
4
Languages

Work History

Deputy Area Manager

Bajaj Finserv
09.2024 - Current
  • Enhanced risk assessment accuracy through thorough research and data analysis.
  • Implemented technology solutions to automate various underwriting tasks, increasing efficiency and reducing manual errors.
  • Conducted regular audits of approved loans to ensure adherence to established guidelines and identify areas for improvement.
  • Streamlined underwriting processes for increased efficiency, implementing automated tools and software.

DEPUTY CREDIT MANAGER

IDFC FIRST BANK
08.2023 - 08.2024
  • Spearheaded training initiatives for staff members on best practices in credit management, enhancing overall team performance.
  • Mentored and coached junior team members, fostering their growth in both technical skills and overall professional development.
  • Optimized the credit approval process by integrating automation tools, improving response time and reducing human error.
  • Monitored accounts for signs of fraud and non-payment issues.
  • Established strong relationships with key stakeholders, ensuring effective communication in all aspects of credit management.

BRANCH CREDIT MANAGER

ICICI BANK
06.2022 - 07.2023
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Used APS and RLOS to perform credit appraisals, document verification and loan approvals.
  • Streamlined processes for early identification of potential credit system and monitoring problems.
  • Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
  • Ensures to provide 360 support to customer, Analyse customer requirements and provide other products

CREDIT RELATIONSHIP MANAGER

HDB FINANCIAL SERVICES LTD
09.2016 - 06.2022
  • Handled Credit appraisals and ensuring high levels of productivity and progression.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Performed duties in accordance with all applicable standards, policies and regulatory guidelines to promote business and reduce delinquency of branch.
  • Creates spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
  • Ensures that branch achieves the targets and meet productivity of all members
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Negotiated settlements and payment terms with customers through OTS.
  • Work cross-functionally with sales, management and other departments to maintain effective operations.

ASSISTANT MANAGER

SUNDARAM FINANCE LTD
06.2014 - 02.2016
  • Developed loyal and highly satisfied customer base through proactive management of team customer service strategies.
  • Initiated negotiations for debt recovery through email, telephone and mail contact.
  • Generated repeat business through exceptional customer service and responded to customer concerns with friendly and knowledgeable service.
  • Check, evaluate and judge the credit worthiness of indviduals
  • Monitored cash intake and deposit records, increasing collections of branch.
  • Established and optimized schedules to keep coverage and service in line with meeting needs of customers.

Education

AISSCE - Commerce

KENDRIYA VIDYALAYA
03.2007 - 05.2009

Bachelor of Commerce - Taxation

VIDYANIKETAN
03.2009 - 07.2012

MBA - Marketing & Supply Chain

DC SCHOOL OF MANAGEMENT
04.2012 - 06.2014

Skills

    Fraud knowledge

Authorizations understanding

Credit reports

Investigations

Risk mitigation

Computer skills

Relationship-Building

Policy application

Financial analysis and reporting

Software

Monitoring

Applications

Certification

SAP

Additional Information

KODUVELI PARAMBIL HOUSE

Convent Road, Ponnurunni

Vyttila 682019


PERSONAL BIO

Marital Status: Married

Age :33

DOB: 14 October 1991

Fathers Name: Maria Joseph KJ

Interests

Community Involvement

Photography

Travel

Languages

1,Beginner (A1),6,Bilingual or Proficient (C2),6,Bilingual or Proficient (C2),5,Advanced (C1)

Personal Information

Timeline

Deputy Area Manager

Bajaj Finserv
09.2024 - Current

DEPUTY CREDIT MANAGER

IDFC FIRST BANK
08.2023 - 08.2024

BRANCH CREDIT MANAGER

ICICI BANK
06.2022 - 07.2023

CREDIT RELATIONSHIP MANAGER

HDB FINANCIAL SERVICES LTD
09.2016 - 06.2022

ASSISTANT MANAGER

SUNDARAM FINANCE LTD
06.2014 - 02.2016

MBA - Marketing & Supply Chain

DC SCHOOL OF MANAGEMENT
04.2012 - 06.2014

Bachelor of Commerce - Taxation

VIDYANIKETAN
03.2009 - 07.2012

AISSCE - Commerce

KENDRIYA VIDYALAYA
03.2007 - 05.2009

SAP

Mar 2014
AMAL JOYUnderwriter