Hi, I’m
Arpita Puja
Bhubhaneshwar
Summary
Accomplished professional with 7 years in Banking and Non-Banking Financial sectors, with a focus on credit management. Expertise in managing secured loans for Commercial Vehicles, Equipment, and Home Loans, along with formulating policy guidelines. Proficient in credit appraisals, document verification, and delinquency analysis, ensuring compliance with credit policies. Specializes in Customer Due Diligence (CDD) and regulatory onboarding.
Overview
8
years of professional experience
1
Certification
Work History
Commonwealth Bank of Australia
Analyst- Retail Operations
05.2025 - Current
Job overview
- Managing and processing discharge requests for home loans, ensuring timely and accurate completion of post-loan activities.
- Handling customer requests for loan discharge, including documentation and settlement verification.
- Monitoring discharge timelines, identifying bottlenecks, and preparing reports for process improvement.
- Coordinating with customers and stakeholders to provide updates and resolve queries related to discharge.
- Ensuring all discharge activities comply with legal and organizational standards.
- Contributing to workflow improvements to enhance efficiency and reduce turnaround time to optimise the process.
Commonwealth Bank of Australia
Credit Risk Analyst(Home Loans Retail Operations)
08.2024 - 05.2025
Job overview
- Responsible for ensuring the accuracy and authenticity of customer documentation and information for home loan applications.
- Reviewing and validating identity proofs, income statements, property documents, and supporting personal documents.
- Ensuring adherence to internal policies and external regulatory standards for home loan processing.
- Collaborating with internal teams and external parties to resolve verification issues promptly to create Stakeholder Coordination.
- Maintaining high standards of accuracy and turnaround time to support smooth loan approvals to maintain quality and accuracy.
HDFC Bank
Manager- CTG(Commercial Transport Group) Credit
03.2023 - 07.2024
Job overview
- Interviewing applicants for commercial loan requests and managing the loan process including due diligence, underwriting deals in Loan Origination System (LOS), Laser soft from loan approval to loan closing of Commercial Vehicles & Commercial Equipment (New/Used) upto ticket size of 7 Crores.
- Detailed analysis on the P/L and B/S to understand the profitability of the firm, existing short term and long-term liabilities which are present.
- Conducting research, using risk assessment and financial modeling software to make high-level decisions about loans or insurance products.
- Ensuring quality controls and checks (like CIBIL, Dedupe, TVR etc) are followed and maintaining the same by implementing regulatory quality audits according to the company policy.
- Scrutiny of customer’s documents by RCU (Risk Containment Unit) to find genuineness of KYC documents, Property papers & bank statement by using various software’s like Finnone.
- Tracking weekly basis for PDD update (New & Used vehicle).
- Root cause analysis of nonstarter and early delinquency cases through personal visits and discussions.
- Taking action for recoveries of 1st EMI and 30+ when the account becomes overdue by teaming up with Sales as well as collection team.
- Scrutinizing of various loan agreements, Hypothecation, Guarantee Deeds, Legal Search Report, Property documents and adhering to the latest and updated formats approved by Legal Department.
- Monitoring To ensure Approval Rate / Credit & E2E TAT / FTAR / Pending Reasons / Rejection Reason to be monitored on real-time basis at a location level by Maintaining TAT.
- Involving in Market study with visiting fleet customers and trying to understand the viability of different assets
Tata Motors Finance Limited
Assistant Credit Manager
06.2018 - 03.2023
Job overview
- Credit underwriting of Commercial Vehicle and Personal Segment Car loans for portfolio of Karnataka.
- Working in Turbo Application from loan approval to loan closing of Personal and Commercial Vehicles (SCV, LCV, ICV ) of all Tata Products including Car segment up to ticket size of 40 lacs.
- Processing of Commercial Vehicle and personal Segment loans from login to disbursement such as CIBIL check ,Dedupe check, validation of fleet, financials.
- Detailed analysis on the P/L and B/S .
- Checking Fixed Obligation Income Ratio (FOIR), eligibility and given documents like (pay slip, bank statements etc.), reviewing & verifying borrower's documents such as Asset documents, Credit Report, & Purchase Contract .
- Working with the Product and Risk Teams for designing new policies and circulars related to a particular product for new customer acquisition and sales growth.
- Sanctioning MSME and Fast track Loans to the customers who had already opted for commercial and personal assets.
- Co-ordinate with various verification agencies like RCU agency, FI agency to ensure timely receipt of the reports.
- Monitoring process from processing till disbursement to smoothen and improve the Turnaround Time (TAT) .
- Managing collection & timely updating PDD and published the pending PDD MIS and push to channel counterpart to complete the same.
- Regular visit to dealership to collect the exact sales figure, market trends and market strategy of competitors.
- Meeting with fleet owners and understanding the route of their owners and understanding the route and deployment as well as viability of the asset funded.
Education
KIIT School of ManagementBhubaneswar
MBA from Marketing & Finance
01.2018
Institute of Technical Education and Research
B.Tech. from Mechanical
01.2015
Skills
Credit Analysis
Certification
- DATA ANALYTICS IN R from IIM RAIPUR
- Fundamentals of Credit from Corporate Finance Institute
- Financial Risk Analyst from Great Learning
- Strategy Consulting a Virtual Experience Program by BCG
- Tableau Analyst by Tableau Software
- Marketing and Retail Analytics from Great Learning
Languages Known
English
Hindi
Odia
Bengali
SOFT SKILLS
- Planning
- Numerical Competence
- Analytical
- Problem Solving
- Time Management
PERSONAL DETAILS
- Date of Birth: 10th March 1993
- Address: 401, Pristine Green Orchid-1, Pokhariput, Bhubaneswar, Odisha 751020
Timeline
Analyst- Retail Operations
Commonwealth Bank of Australia
05.2025 - Current
Credit Risk Analyst(Home Loans Retail Operations)
Commonwealth Bank of Australia
08.2024 - 05.2025
Manager- CTG(Commercial Transport Group) Credit
HDFC Bank
03.2023 - 07.2024
Assistant Credit Manager
Tata Motors Finance Limited
06.2018 - 03.2023
KIIT School of Management
MBA from Marketing & Finance
Institute of Technical Education and Research
B.Tech. from Mechanical