N Prakash Rao

• Manage the credit and portfolio of the HDFC Tata co-branded credit card, ensuring alignment with business objectives and regulatory standards.
• Monitor and optimize the overall approval rate for Tata credit card applications sourced through both partner and bank channels.
• Conduct daily quality reviews of newly launched sourcing programs and processes, ensuring compliance with regulatory requirements, and operational efficiency.
• Deliver training sessions to both new and existing underwriters on Credit Policy changes and updates.
• Regularly engage with partners to resolve queries, share updates, and enhance their understanding of the customer acquisition funnel.
• Provide consultative insights on declined applications, enabling reinitiation using revised logic and updated policy guidelines to improve the approval rate.
• Possess expertise in handling large datasets, converting complex data into actionable visualizations that support strategic business decisions.
• Track and monitor the Tata Co-brand portfolio, identify trends, proactively alert stakeholders, and recommend corrective actions to maintain portfolio health.
• Support the Closed User Group (CUG) launch of the new co-branded credit card by validating the end-to-end application flow and journey for a seamless customer experience.

• Assessed the creditworthiness of individual applicants in accordance with bank policies, and made credit decisions accordingly.
• Handled a wide range of credit products, including Retail Cards, Pre-embossed Cards, YES Private Cards (for HNI clients), and Corporate & Commercial Cards.
• Conducted in-depth evaluations of applicants' credentials and financial profiles based on defined credit policies.
• Led initiatives to implement a credit processing system aligned with the bank’s Credit and Risk Management policies.
• Ensured the authenticity of verification processes, documents, and applicant profiles, while maintaining delinquency levels at a minimum.
• Verified the completeness of documentation submitted by corporate clients, including Board Resolutions, Agreements, KYC, and other regulatory documents.
• Maintained corporate-wide MIS reports on card usage and delinquency trends.
• Managed end-to-end processing of credit card applications for High Net Worth Individuals (HNIs).

• Handled a wide range of credit products, including Retail Cards, Super Premium Cards, Corporate Cards, and Commercial Cards.
• Conducted in-depth assessments of applicants' credentials, ensuring thorough due diligence as per bank guidelines.
• Verified the completeness and accuracy of corporate documentation, including Board Resolutions, Agreements, KYC, and other regulatory documents.
• Analyzed past credit history and assessed client credibility through de-duplication and CIBIL checks.
• Recognized and awarded as the Best Underwriter for maintaining the lowest delinquency rates.

• Managed end-to-end training requirements for the process, including onboarding and training new joiners until they were production-ready.
• Directed, coached, and trained a team of 45 loan officers to ensure consistent performance and adherence to process standards.
• Reviewed Standard Operating Procedures (SOPs) and Epiplex documentation to ensure accuracy and alignment with business goals.
• Conducted regular update sessions, team meetings, and huddles to keep the team informed of process changes and performance expectations.
• Administered process knowledge tests to assess and enhance team understanding of key procedures.
• Held calibration sessions with the Quality Team to ensure alignment on performance expectations and evaluation criteria.
• Received a Performance Certificate and medal for outstanding contributions toward client satisfaction and service excellence.

Full-time