Navis Rexaline
Chennai
Summary
Highly skilled and meticulous Credit Underwriter with 2.3 years of experience in credit card processing and approval. Demonstrated expertise in critical risk identification and management. Strong problem-solving abilities and a keen eye for detail. Collaborative team player with excellent communication skills. Dedicated to delivering exceptional results through efficient work.
Overview
2
2
years of professional experience
Work History
Credit Underwriter-Assistant Manager
HDFC Bank
08.2022 - Current
- Conduct diligent reviews of applicants' credit histories, meticulously evaluating their financial stability and repayment capacity to ensure responsible lending practices
- Prepare comprehensive monthly Management Information System (MIS) reports, providing detailed card approval and decline data for effective monitoring and tracking of the credit card application process
- Conduct thorough analysis of each applicant's creditworthiness to assess their eligibility for various credit products
- Drive business optimization by delivering valuable insights and recommendations based on meticulous creditworthiness analysis, aiding the bank in making informed decisions and enhancing operational efficiency
- Monitor the portfolio to minimize delinquency rates, implementing proactive strategies and interventions to prevent defaults and mitigate credit losses
Education
MBA - Finance & Marketing
Gnanam School of Business
Thanjavur06.2021
BSc - BioTechnology
Cauvery College for Women
Trichy05.2019
Skills
- Financial Analysis
- Risk Management
- Strategic Marketing
- Credit Assessment
- Customer Relationship Management
- Cross functional coordination
- Client Experience
Tools in Expertise
- Oracle Flexcube
- Intellect APS
- IBM Vision Plus
- Lite UI
- MS Office
Awards
- Silver star award, HDFC Bank, 05/25/23
- Silver star award, HDFC Bank, 02/25/24
Training
- BHEL, Trichy, Market Survey
- ITC Pvt Ltd, Trichy, ITC Sales Programme
- IOB, Kumbakonam, Mystery Shopping
Internshipprojects
- Internship, Customer Relationship Management, Maruthi Suzuki (Pillai & Sons), Learnt the basics of customer relations, focusing on the customer needs and feedback for the services and updated the work sheet from the DMS.
- Project, A Study on Financial Strength of Selected Industries in India, Analysed and forecasted the financial stability of selected set of industries based on their past financial status.
Websites
Languages
- English
- Tamil
Timeline
Credit Underwriter-Assistant Manager
HDFC Bank
08.2022 - Current
MBA - Finance & Marketing
Gnanam School of Business
BSc - BioTechnology
Cauvery College for Women
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