Monitoring
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
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
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