Neha Gupta
Panvel
Summary
Dynamic credit professional with expertise in credit risk assessment and financial data analysis. Proven ability to manage high-value cases, ensuring compliance with policy parameters and delivering precise underwriting recommendations. Dynamic credit risk assessor with a proven track record in underwriting high-value cases. Expertise in financial data analysis and strong decision-making skills ensure compliance and enhance portfolio performance.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Area Credit Manager
Aditya Birla Housing finance
Belapur
02.2025 - Current
- Individual Handle HL & LAP cases SEP & SENP upto ticket size 5 Cr and recommended as per policy parameter
- Approval authority up to 3.00 lakh.
- I have done joint PDs with NCM, ZCM, and RCM for high-value cases up to 20 crore and recommended based on discussion and policy perimeter.
- Handle the complete process from sanction to disbursement.
- Handling the audit for the disbursed case, revert to the auditor.
- Handling PDD for the Mumbai location, tracking each PDD should be clear within the timeline.
Credit Manager
Aditya Biral Housing finance
Belapur
05.2023 - 01.2025
- I have done joint PDs with NCM and RCM for high-value cases of up to 10 crore, and I recommended based on our discussion.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Assess the case and complete checking, and every checkpoint from login to disbursement.
- Monitoring 1-2 MOB cases (FEMI, SEMI).
Assistant Credit Manager
Bajaj Housing Finance
Mumbai
12.2021 - 04.2023
- Preparing eligibility sheet Coordinate with agency for FI reports and doc verification reports.
- Screening and scrutinize of loan application for retail assets product loan against property and home loan.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Assess the case and compleat checking & every checks point from login to disbursement.
HDB housing finance ltd
Credit Manager
Mumbai
06.2021 - 12.2021
- Screening and scrutinizing loan applications for retail asset products, such as personal loans, business loans, and loans against property.
- Approval authority was up to 3.00 lakh, and PD authority up to 5 lakh in unsecured loans.
- Personal discussion with the customer to understand their business, and calculating the eligibility of sanction files for credit appraisal.
Credit Relationship Manager
HDB housing finance
Mumbai
12.2018 - 12.2020
- Quality check of files given for login in the system.
- Preparation of complete CAM sheet with Credit observation and approval note for high value cases.
- Coordinate with sales for documents pendency
- Following up with FI vendors for reports.
- Handling vendor bills.
Senior Credit Processing Associate
Dewan Housing Finance Ltd
Thane
06.2017 - 11.2018
- Handling login files MIS.
- Initiation of legal, technical, and coordination with vendors for report clearance.
- Checking CIBIL reports and banking for the plotting of loan obligations of applicants in the CAM sheet.
- Handling vendor bills.
Senior Account Executive
Bajrang Paras & Co
Boriwali
04.2015 - 06.2017
- Accounting for Individuals, HUFs, Firms, and Companies
- Assisting in the statutory audit.
- Income tax return filing for Individuals, HUFs, Firms, and Companies
- Assisting in tax audit
- Filing of E-TDS return on a quarterly basis and issuing Form 16 and 16A
- Determination of advance tax liability on a quarterly basis.
Education
MBA - Accounting And Finance
Welingkar Institute
Mumbai03-2021
M.com - Accounting And Finance
Dr. Bhim Rao Ambedkar University
Mathura03-2011
B.Com - Finance
Dr. Bhim Rao Ambedkar University
Mathura03-2009
Skills
- Credit risk assessment
Financial data analysis - Adaptability and versatility
Underwriting
- Expertise CIBIL evaluation
Accomplishments
- Bajrang Paras & Company, 11/30/2017, appreciation certificate
- DHFL, 03/31/2018, Star Award for outstanding performance.
- Bajaj Housing Finance Ltd, 09/30/2022, Kudos: For exceptional performance.
- Aditya Birla Housing Finance: Top performer credit manager in Mumbai
Certification
- Complete Level 1 CRISIL Academy
- Complete Level 2 CRISIL Academy
Timeline
Area Credit Manager
Aditya Birla Housing finance
02.2025 - Current
Credit Manager
Aditya Biral Housing finance
05.2023 - 01.2025
Assistant Credit Manager
Bajaj Housing Finance
12.2021 - 04.2023
HDB housing finance ltd
Credit Manager
06.2021 - 12.2021
Credit Relationship Manager
HDB housing finance
12.2018 - 12.2020
Senior Credit Processing Associate
Dewan Housing Finance Ltd
06.2017 - 11.2018
Senior Account Executive
Bajrang Paras & Co
04.2015 - 06.2017
MBA - Accounting And Finance
Welingkar Institute
M.com - Accounting And Finance
Dr. Bhim Rao Ambedkar University
B.Com - Finance
Dr. Bhim Rao Ambedkar University
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