Anoop Naval
Bangalore
Summary
11+ years of experience in credit Underwriting for Housing and LAP Loans. Dynamic finance professional with a strong background in all aspects of retail banking, accounting, and credit loans. Successful at managing multiple assignments while meeting tight deadlines. Finely honed leadership, analytical, and problem-solving skills. Dedicated to building, cultivating, and mentoring 50+ high-performance team members.
Driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability.
Overview
15
15
years of professional experience
Work History
Area Credit Manager
Aditya Birla Housing Finance Limited
11.2023 - Current
- Analyzing frauds, Risks & taking due actions & steps while reporting same to management
- Maintaining Turn around time (TAT) of 2 days for SENP Decision as against company standard of 4 days.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Review and update Company's Credit Policy when necessary.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
- Implemented an efficient reporting system to track key performance indicators for the department regularly.
- Mitigated potential losses by conducting thorough due diligence on high-risk customers.
- Resolved problems, improved operations and provided exceptional service.
- Orchestrated cross-departmental collaboration, reducing turnaround time for credit analysis by 35% and boosting customer satisfaction.
- Managed Channel MIS and DID, setting monthly and quarterly targets.
Handled monthly credit proposals totaling 80 crores with ticket sizes up to 15 crores. - Managed the credit cycle for accounts worth over INR 500M, maintaining an 87% approval rate through proactive customer engagement.
- Championed a financial literacy program for clients, which improved transparency and approval timeliness by 25% and deepened business relationships.
Deputy Manager - Finance
Housing Development Finance Corporation Ltd.
05.2013 - 07.2023
- Managed the branch while delivering a disbursement portfolio of INR 800M per month.
- Delivering credit approval TAT of 3 days and maintained 0.74% delinquency ratio.
- Managed an INR 3,200M loan book through NRI loans, acting as a key contact for all seven international offices.
- Headed the Retention vertical for Karnataka Region, maintaining a loan book of INR 2800M for over two years with excellent review rating.
- Responsible for providing an independent credit opinion and recommendation on the proposed exposure & structure for any additional funding requirements for existing borrowers.
- Underwrite/recommend medium to high ticket credit exposures.
- Leading, training & monitoring performance of team members to ensure efficiency in operations in order to provide customer delight.
- Liaising with business side / meeting customers to understand their evolving needs / requirements and structure requisite facilities that benefits both bank
- and client.
- Analyzed and reported performance data, translating findings into practical improvement actions.
Assistant Manager - Business Development
Brilliant Services
10.2009 - 09.2011
- Negotiated contracts with key partners to secure favorable terms for both parties involved in agreements.
- Identified and acquired over 70 individual residential projects in a Tier-2 city.
- Conducted client presentations and financial negotiations.
- Played a key role in modularizing individual residential contracts.
- Managed account transitions and maintained profitable relationships with contractors and vendors.
- Established excellent contacts with key builders as a primary service provider in retail lending.
- Monitored competitor activity to stay ahead of market shifts and maintain a competitive edge in the industry.
Education
Master of Business Administration - Banking And Finance
Liverpool Business School
12.2025
BBA - Marketing
University of Mysore
Mysore12.2010
Skills
- Financial Analysis
- Collaborating with different Teams
- Risk Assessment
- Strong negotiation Skills
- Ability to Work under Pressure
- Excellent Analytical Skills
- Solid interpersonal Skills
- Great Written and Verbal Communication Skills
- Understanding Of loans and lending procedures
- Collateral Evaluation
- Credit policy development
Timeline
Area Credit Manager
Aditya Birla Housing Finance Limited
11.2023 - Current
Deputy Manager - Finance
Housing Development Finance Corporation Ltd.
05.2013 - 07.2023
Assistant Manager - Business Development
Brilliant Services
10.2009 - 09.2011
Master of Business Administration - Banking And Finance
Liverpool Business School
BBA - Marketing
University of Mysore
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