Parul Oberoi
Delhi
Summary
Dynamic Senior Underwriter with extensive experience at SBI Credit Cards, excelling in credit analysis and risk assessment. Proven track record of enhancing automated underwriting models and achieving operational efficiency. Recognized for exceptional decision-making and cross-functional collaboration, consistently delivering high-quality results in fast-paced environments.
Overview
9
9
years of professional experience
Work History
Senior Underwriter
SBI Credit Cards
New Delhi
01.2019 - Current
- Conduct comprehensive credit assessments for consumer and business credit card applications
- Utilize automated underwriting models to evaluate risk and determine creditworthiness
- Analyze income statements, tax returns, and financial documents
- Oversee end-to-end credit decision-making processes while ensuring adherence to TAT benchmarks
- Collaborate with cross-functional teams to improve underwriting models and streamline approvals
- Maintain high accuracy and efficiency while processing large volumes of applications
Underwriter
SBI Credit Cards
New Delhi
01.2017 - 01.2019
- Reviewed and assessed credit card applications, ensuring compliance with internal policies
- Assisted in determining new credit lines and card issuances
- Conducted detailed financial evaluations for approval decisions
- Managed critical sub-process tracking to ensure operational efficiency.
Phone Banking Officer
ADFC (Subsidiary of HDFC)
New Delhi
03.2016 - 08.2016
- Provided customer support for credit card accounts via phone, email, and chat
- Assisted customers with account maintenance, credit limit adjustments, and disputes
- Investigated and resolved fraudulent transactions
- Maintained high service quality standards, ensuring customer satisfaction
Education
Bachelor of Commerce -
Delhi University
01.2014
Senior Secondary -
CBSE
01.2011
Secondary -
CBSE
01.2009
Skills
- Credit analysis and risk assessment
- Financial document verification
- Decision-making and problem-solving
- Cross-functional collaboration
- Regulatory compliance
- Credit risk assessment tools
Key Accomplishments
- Recognized as Employee of the Month multiple times for outstanding performance and contributions
• Received numerous appreciation emails from clients, highlighting exceptional service and support
Timeline
Senior Underwriter
SBI Credit Cards
01.2019 - Current
Underwriter
SBI Credit Cards
01.2017 - 01.2019
Phone Banking Officer
ADFC (Subsidiary of HDFC)
03.2016 - 08.2016
Bachelor of Commerce -
Delhi University
Senior Secondary -
CBSE
Secondary -
CBSE
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