Nitin Thapa
Underwriting Credit Specialist
New Delhi
Summary
Dynamic Underwriting Credit Specialist at American Express with proven expertise in risk analysis and decision-making. Recognized for minimizing financial risk and enhancing customer experience through process improvements. Skilled in documentation review and effective communication, leading teams to achieve high-quality outcomes and client satisfaction.
Overview
13
13
years of professional experience
2
2
Languages
Work History
Underwriting Credit Specialist
American Express
01.2017 - Current
- Specialized in underwriting for personal, business, and corporate accounts across charge and lending products.
- Reviewed financial documents, including 1040s, W-2s, pay stubs, tax returns, bank statements, and 4506T/4506C forms for credit decisioning.
- Approved or declined applications are based on the analysis of FICO, TSR, CDSS, ADSS scores, credit bureau data, and customer risk profiles.
- Identified fraud, disputes, and synthetic IDs using tools like LexisNexis and C360, and mitigated risk by placing NFCs on high-risk accounts.
- Led process improvement projects that reduced cycle time and enhanced customer experience.
- Trained multiple batches across portfolios, and served as a key quality check resource.
- Managed escalations, stakeholder queries, and collaborated with CFR and C360 teams for resolution and service excellence.
- Proficient in tools including CSP, CAS, TRUIMPH, MS3, ICRUSE, GCAP, Lexis Nexis, C360 etc.
- Maintained SLA across workflows, monitored account payment trends, FICO score fluctuations, and analyzed charge/spending patterns.
- Earned recognition for minimizing financial risk, and consistently delivering high-quality underwriting decisions.
Process Developer / Case Manager / Train
Genpact
07.2012 - 12.2016
- Processed end-to-end Australian life insurance applications for clients like BT, Westpac, and St. George, including form filling, policy alterations, underwriting coordination, and enforcing applications.
- Managed a team of 30 processors and trained over 50 team members, significantly improving overall performance and quality.
- Developed the first official work instruction for a complex workflow, earning onshore recognition and awards.
- Actively involved in Quality Checks, SLA monitoring, and client satisfaction through daily SLA reports, dashboards, and regular feedback sessions.
- Played a key role in reducing internal/external errors through regular refresher sessions and quality discussions with the onshore team.
- Spearheaded two successful quality improvement projects with Australian clients, leading cross-functional teams from the front.
- Received multiple awards, including Client/Customer Recognition, Top Performer accolades, and two nominations for Employee of the Year.
- Lean Certified; mentored peers to become Lean certified, and initiated new Lean ideas to streamline operations.
- Handled internal queries, processed client payments, maintained dashboards, and shared performance metrics with onshore stakeholders.
Education
Master in Commerce - Finance & Accounting
Kumaon University Nainital
Nainital 04.2001 -
Bachelor in Commerce - Finance & Accounting
Kumaon University Nainital
Nainital 04.2001 -
Skills
Documentation review
Risk analysis
Problem-solving abilities
Decision-making
Quality control
Analytical skills
Financial statement analysis
Relationship management
Effective communication
Collaborative
Accomplishments
- Collaborated with Stakeholders and successfully worked on a project in order to streamline process by reducing cycle time.
- Successfully trained multiple batches.
- Lean trained and certified.
Timeline
Underwriting Credit Specialist
American Express
01.2017 - Current
Process Developer / Case Manager / Train
Genpact
07.2012 - 12.2016
Master in Commerce - Finance & Accounting
Kumaon University Nainital
04.2001 -
Bachelor in Commerce - Finance & Accounting
Kumaon University Nainital
04.2001 -
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