Summary
Overview
Work History
Education
Skills
Timeline
Generic

Apoorv Binjola

Lead Functional Analyst/Business Analyst
Mumbai

Summary

Dynamic and results-driven Home Loan Business Analyst with over 7 years of experience in the banking and financial services industry. Proven expertise in managing the end-to-end lifecycle of home loan products. Skilled in product strategy, team management, market analysis, customer segmentation, ML based risk models and stakeholder collaboration. Strong understanding of regulatory requirements, risk management, and digital transformation in financial products.

Overview

8
8
years of professional experience

Work History

Lead Functional Analyst/ Lead Business Analyst – Home Loans

HDFC BANK
Mumbai
10.2021 - Current
  • Spearheaded the design, development, and launch of Digital home loan Top Up for existing customers, leading to an increase in HL business of 70 Cr/month and touch base to cross sell other banking products
  • Functional lead to build an HL P27 STP ML-based model for NTB customers, to offer an instant in-principal home loan.
  • Collaborated with risk and compliance teams to ensure products met all regulatory standards, minimizing risk exposure while maximizing customer satisfaction
  • Designed strategy to use hold accounts for digital allocations and reduce human intervention
  • Optimized product performance through regular review of KPIs, with a focus on improving approval rates, loan processing time, and default management
  • Collaborate with product managers and the credit team to define product requirements and customer needs for home loan offerings, ensuring alignment with organizational goals
  • Develop and maintain strong relationships with cross-functional teams, including credit risk, product, compliance, business and operations, to ensure smooth execution of home loan initiatives
  • Monitor loan portfolio performance, identifying key risk factors and recommending mitigation strategies to ensure high portfolio quality

Assistant Manager – Home Loans Credit & Operations

HDFC Bank (Hdfc Ltd)
Dehradun & Mumbai
04.2017 - 09.2021
  • Analyzing and underwriting home loan applications upto 2 crores individually
  • Assisted in the development and management of a diverse home loan product portfolio
  • Worked closely with marketing teams to create effective campaigns for new home loan products
  • Managed end-to-end processing of home loan applications, from customer acquisition to loan disbursal, ensuring compliance with all regulatory and internal policies.
  • Provided personalized loan advice and product recommendations to clients, resulting in a high customer retention rate
  • Worked closely with underwriters and legal teams to ensure timely approval and documentation of loans

Education

PGDM - International Business & Marketing

Birla Institute Of Management Technology
G.Noida
03-2017

B.Tech - Electronics & Telecommunication

College of Engineering Roorkee
Roorkee
05-2014

Skills

  • Home Loan Products
  • Process Improvement
  • Stakeholder Management
  • Regulatory Compliance
  • Cross-Functional Collaboration
  • Data Analytics
  • Performance Metrics
  • Loan Disbursement
  • Documentation Processes
  • Excel and Sql

Timeline

Lead Functional Analyst/ Lead Business Analyst – Home Loans

HDFC BANK
10.2021 - Current

Assistant Manager – Home Loans Credit & Operations

HDFC Bank (Hdfc Ltd)
04.2017 - 09.2021

PGDM - International Business & Marketing

Birla Institute Of Management Technology

B.Tech - Electronics & Telecommunication

College of Engineering Roorkee

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Apoorv BinjolaLead Functional Analyst/Business Analyst