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Mamuni Madhuchhanda Swain
Pune, Maharashtra
Summary
Senior Credit Manager with 11 years of experience in credit risk assessment and mortgage underwriting. Evaluated high-value lending proposals across various loan types, driving business growth while maintaining effective risk governance. Managed a monthly lending portfolio of ₹35 crore, achieving a record of zero non-starter cases.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Senior Credit Manager
Kotak Mahindra Bank
Pune
08.2025 - Current
- Sanction Authority: Entrusted with delegated credit sanction authority up to ₹2 Crore for independent retail lending and mortgage decisions.
- Portfolio Exposure & Volume: Efficiently underwrite ~15 high-ticket lending proposals monthly, controlling a substantial aggregate monthly credit exposure of ₹35 Crore.
- Financial Skill Analysis: Conduct deep-dive credit evaluations including granular cash flow assessments, DSCR evaluations, structural ratio analysis, and complex P&L validations for high-net-worth salaried and SENP profiles.
- Collateral Risk Management: Perform thorough property and technical evaluations through independent valuation report reviews, optimizing Loan-to-Value (LTV) limits in strict alignment with internal credit policy.
- Portfolio Quality: Achieved and sustained pristine portfolio health, consistently registering zero non-starter cases through airtight credit gating.
- Cross-Functional Execution: Collaborate daily with Sales Operations and Legal teams to accelerate processing timelines, successfully meeting competitive Turnaround Time (TAT) targets.
- Audit & Controls: Execute rigorous location-level credit audit checks across various branches to ensure full underwriting compliance.
Credit Manager
ICICI Bank
Pune
05.2022 - 06.2025
- Multi-Product Underwriting: Managed end-to-end credit assessment and pipeline management for diverse retail asset lines including Home Loans, LAP, Auto Loans, Education Loans, and Business Loans.
- End-to-End Processing: Directed the full loan lifecycle from initial underwriting down to final disbursement, maintaining an optimal balance between risk and fulfillment.
- Financial Profiling: Executed comprehensive financial evaluations, cash flow analyses, and CIBIL validation metrics to derive clear insights into borrower creditworthiness.
- Due Diligence: Spearheaded physical due diligence and comprehensive docket verification workflows for intricate self-employed (SENP) customer portfolios.
- Reporting & Workflow: Structured weekly credit performance and risk reports for management; allocated cases to underwriting teams to streamline daily operational workflows.
Risk & Fraud Control Manager
HDFC Bank
Pune
08.2018 - 05.2022
- Risk & Fraud Control: Supervised the risk assessment framework for retail asset and payment business portfolios at the designated ROMG location.
- Corporate Exposure Underwriting: Reviewed foundational financial statements (P&L statements and Balance Sheets) to authorize credit lines for high-profile corporate clients (exposure up to ₹1 Crore).
- Fraud Mitigation: Handled corporate Hunter liability systems across all retail lines, validating income documents to insulate the bank from early-stage defaults and fraud.
- Vendor & Merchant Auditing: Conducted merchant file verifications and credit card processing on APS systems, auditing and approving monthly vendor invoices.
- Risk Frameworks: Engineered comprehensive profile CAM sheets summarizing risk assessments and vendor-agency performance analyses.
Credit Manager (Agriculture Department)
HDFC Bank Limited
Bhubaneswar
08.2016 - 07.2018
- Served as credit manager overseeing agricultural lending operations, evaluating microfinance applications and rural mortgage portfolios.
- Conducted periodic external agency and vendor reviews to track performance, data integrity, and compliance metrics.
Branch Credit Manager
Aadhar Housing Finance
Bhubaneswar
09.2013 - 08.2016
- Profiled applicant demographics within Lower and Middle-Income (LMI) segments, verifying unconventional income records to effectively reduce credit risk.
- TAT Management: Managed credit queues from initial system login to disbursement to enforce strict turnaround times.
- Conducted physical Personal Discussions (PDS) for SENP cases while managing verification workflows with external financial scanning agencies to ensure thorough assessment.
- Evaluated Legal Scrutiny Reports (LSR) from empaneled legal professionals, mitigating title risks and protecting organization from potential litigation.
Education
MBA - Finance, Marketing
Srusti Academy of Management
Bhubaneswar06-2013
B.Com -
Kendrapara Autonomous College
Kendrapara, Odisha06-2010
Skills
- Credit Underwriting
- Mortgage Underwriting
- Commercial Lending
- Loan Analysis Procedures
- Business Loans
- Risk Assessment
- Portfolio Management
- Financial Analysis
- Cash Flow Analysis
- DSCR Evaluation
- Ratio Analysis
- Balance Sheet Validation
- P&L Validation
- Credit Assessment Memo Preparation
- Credit memo preparation
- Valuation Optimization
- Property Marketability Reviews
- Loan-to-Value Optimization
- Legal report evaluation
- Compliance
- Fraud Risk Management
- Early Warning Signals
- Due Diligence Processes
- Operations
- Risk Mitigation Strategies
- Audit Compliance Reviews
- Operational Efficiency
- Team Leadership
- Hunter Liability Frameworks
- Cross-functional alignment
Certification
- Moody's Credit Certificate - Retail Credit
- Working Capital Management Certification
Languages
- English
- Hindi
- Odia
- Marathi
Timeline
Senior Credit Manager
Kotak Mahindra Bank
08.2025 - Current
Credit Manager
ICICI Bank
05.2022 - 06.2025
Risk & Fraud Control Manager
HDFC Bank
08.2018 - 05.2022
Credit Manager (Agriculture Department)
HDFC Bank Limited
08.2016 - 07.2018
Branch Credit Manager
Aadhar Housing Finance
09.2013 - 08.2016
MBA - Finance, Marketing
Srusti Academy of Management
B.Com -
Kendrapara Autonomous College