HARINI THRISHA A
DEPUTY CREDIT MANAGER
Bengaluru,Karnataka
Summary
Experienced Deputy Credit Underwriter specializing in personal loans at HDFC Bank, seeking a responsible and challenging role in a reputable organization to leverage my skills and expertise for the company's growth. Adept in loan underwriting and fostering team collaboration. Demonstrated excellence in reducing delinquency rates and enhancing business targets.
Overview
3
3
years of professional experience
4
4
Languages
Work History
Deputy Credit Manager
HDFC BANK Ltd.-INDIA
06.2022 - Current
- Determined loan approvals and prepared required documentation from approval to disbursements for PL product
- Reducing the risk of delinquency among personal loan products and enhance banks business to meet the dead line target
- Analyzing credit worthiness of a customer by observing their financial documents(Banking, Payslips)
- Analyzing customer Cibil and income Status and other financial bureaus
- Responsible for underwriting of retail credit proposals within delegated lending authority for possible approvals, assignment of credit limit, customer risk ratings.
- Approval authority (CAD) upto 10 lacs for PL product.
- Ensure to provide approvals within TAT as agreed in Market and taken case of credit Underwriting credit Appraisals, Escalation, process sales request.
- Assessing overall credit eligibility of customer, preparing the Credit Appraisal Memo (CAM) for personal loan
- Doing tele & Physical verification for high value cases – PD with customers, Understand customer’s end use of funds, assets and assist in identifying unusual transitions in the banking and understanding customer behavior patterns.
Internship Student
Larsen And Turbo - Accounts Payable Department
07.2021 - 08.2021
- Improved internship experience by efficiently managing assigned tasks and meeting deadlines.
- Gained practical experience in various aspects of the field, applying academic knowledge to real-world situations.
- Developed professional skills through hands-on experiences, including time management and effective communication.
- Sorted, organized, and maintained files.
- Gained knowledge in employee reimbursements and their policies
- Vendor payment management
Education
MBA - Finance And Marketing
DG Vaishnav School of Management
Chennai 04.2001 -
Bachelor of Commerce - Accounting And Finance
MOP Vaishnav College For Women
Chennai 04.2001 -
Skills
Loan Underwriting
Team work and collaboration
Customer Service
Time Management
Monitoring and Identifying Customer Fraudulent Activities
Proficient in MS Office Suite (Word, Excel, PowerPoint, Outlook)
Complete knowledge on Credit policy
Adaptability and Flexibility
Mentoring and training
Accomplishments
- Honored with the "Silver Star" award for exceptional performance in achieving deadlines and TAT goals for February 2023
- Recognized as the Best Employee for excellence in mentoring and training team members
- Managed placement activities for the MBA batch as Placement Coordinator, facilitating connections between students and potential employers
Timeline
Deputy Credit Manager
HDFC BANK Ltd.-INDIA
06.2022 - Current
Internship Student
Larsen And Turbo - Accounts Payable Department
07.2021 - 08.2021
MBA - Finance And Marketing
DG Vaishnav School of Management
04.2001 -
Bachelor of Commerce - Accounting And Finance
MOP Vaishnav College For Women
04.2001 -