Komal Sinha
New Delhi
Summary
With over a decade of experience in the financial industry, I am a dynamic credit management professional specialising in home loans and property financing within Micro, Affordable Housing, and Prime Segments. My expertise includes evaluating creditworthiness, risk mitigation, and optimising lending outcomes. I am focused on driving organisational growth through exceptional results and am known for my strong communication skills. With a proven track record, I am a valuable team player dedicated to delivering impactful contributions.
Overview
2
2
Languages
1
1
Certification
11
11
years of professional experience
Work History
RLG Credit and Policy
Jio Credit Ltd
03.2026 - Current
- Independently handle complete credit appraisal and underwriting of Home Loan and LAP proposals, from login to final credit decision, for loan amounts ranging from ₹50 lakh to ₹5 crore.
- Analyse income, financial statements, ITRs, bank statements, business cash flows, and other financial documents to assess repayment capacity.
- Evaluate borrower profiles, credit bureau reports, repayment track records, existing obligations, FOIR, LTV, and overall indebtedness.
- Assess property ownership, title documents, legal and technical reports, market value, property eligibility, and collateral adequacy.
- Conduct detailed assessment of salaried and self-employed borrowers, including business stability, income sustainability, and financial leverage.
- Ensure adherence to internal credit policies, regulatory guidelines, underwriting standards, and delegated approval authority.
- Identified potential credit risks, discrepancies, deviations, and early warning indicators; recommended suitable mitigants and loan structures to enhance credit quality.
- Prepared comprehensive credit appraisal notes detailing borrower profile, financial analysis, repayment capacity, collateral assessment, risk factors, and mitigants to inform decision-making.
- Recommend appropriate loan amounts, repayment tenures, pricing, and credit conditions based on risk assessment and repayment capacity.
- Coordinated with sales, legal, technical, operations, and risk teams to resolve queries promptly and complete credit assessments efficiently.
- Support prudent lending, maintain underwriting quality, and minimise potential delinquencies through robust credit evaluation and policy-based decision-making.
Branch Credit Manager
UGRO Capital
12.2025 - Current
- Handling end-to-end credit appraisal and underwriting of MSME loan proposals at branch level
- Independently underwriting high-value cases up to ₹5 Crore
- Analyzing financial statements, cash flows, banking and GST data
- Preparing Credit Appraisal Notes (CAMs) and recommending cases for sanction
- Ensuring compliance with credit policy, RBI guidelines, and internal controls
- Coordinating with Sales, Legal, Technical and Operations teams
- Monitoring portfolio quality and identifying early warning signals
Deputy Credit Manager
Profectus Capital
07.2024 - 12.2025
- Managed loan against property cases ranging from INR 10 lakh to INR 5 crore, ensuring compliance with company policies and regulations.
- Conducted comprehensive credit analyses and prepared Credit Assessment Memorandums (CAM) to secure necessary committee approvals.
- Oversaw the entire loan disbursal process, ensuring meticulous legal and technical due diligence.
- Engaged in personal discussions for credit evaluations on loans up to INR 1 crore, enhancing client relationships and trust.
Branch Credit Manager
SMFG India Credit Ltd
03.2022 - 07.2024
- Handled Home Loans & Loan Against Property with a sanction authority of up to INR 20 lakh.
- Conducted extensive financial statement analysis, fraud risk assessment, and ensured policy compliance.
- Optimized credit approval processes and managed vendor relationships to enhance workflow efficiency.
- Led a team of credit evaluators to improve credit underwriting efficiency.
Branch Credit Manager
Jana Small Finance Bank
09.2020 - 03.2022
- Managed the credit underwriting process for Home Loans and Micro LAP cases.
- Ensured efficient loan disbursal, comprehensive risk assessment, and portfolio management.
- Supervised vendor coordination and verification of essential documents.
Assistant Credit Manager
Dewan Housing Finance Corporation
06.2015 - 04.2020
- Conducted detailed risk evaluations, financial analyses, and credit approvals for home loans.
- Developed improved credit monitoring systems and compliance strategies.
- Assisted in minimizing non-performing assets and enhancing credit efficiency.
Education
MBA/PGDM - Finance
Amity University
01-2015
B.B.A/ B.M.S - Finance and Accounting
LNM College of business management
01-2013
Skills
- Credit Appraisal & Risk Assessment
- Financial Statement Analysis
- Loan Underwriting & Approval
- Legal & Technical Due Diligence
- Fraud Detection & Prevention
- Recovery & Collection Strategy
- Relationship Management with Customers & Stakeholders
- Process Optimization & TAT Management
- Team Leadership & Training
Languages
English
Beginner
A1
Hindi
Beginner
A1
Certification
- Best employee of quarter in Fullerton India, 2022-09-01
- Awarded with Significant Contribution in Fullerton India, 2022-01-01
- Awarded with Excellence performer Certificate in Jana Small Finance Bank
- Certified Risk Management System Professional
- Certificate of Behavioural Science
- Certificate of Business Communication
- Foreign Language Course in German
- Military Training
Timeline
RLG Credit and Policy
Jio Credit Ltd
03.2026 - Current
Branch Credit Manager
UGRO Capital
12.2025 - Current
Deputy Credit Manager
Profectus Capital
07.2024 - 12.2025
Branch Credit Manager
SMFG India Credit Ltd
03.2022 - 07.2024
Branch Credit Manager
Jana Small Finance Bank
09.2020 - 03.2022
Assistant Credit Manager
Dewan Housing Finance Corporation
06.2015 - 04.2020
MBA/PGDM - Finance
Amity University
B.B.A/ B.M.S - Finance and Accounting
LNM College of business management