Rinku Verma
Bengaluru
Summary
Credit Assessment Officer with 3 years of experience in banking operations and credit underwriting. Specializes in mortgage loan assessment, fraud prevention, and regulatory compliance for transactions up to AUD $3M. Demonstrated ability in process improvement and stakeholder management, complemented by strong analytical skills focused on risk mitigation. Proficient in data analysis and report writing, ensuring accurate assessments and timely completion of tasks.
Overview
6
6
years of professional experience
Work History
CREDIT ASSESSMENT OFFICER - HOME LOANS ASSESSMENT
Australia and New Zealand Banking Group (ANZ)
Bangalore
06.2022 - 06.2025
- Underwrite and assess complex, high-risk mortgage loan applications including PAYG and Sole Trader deals up to $3M, ensuring soundness, business value, and compliance with company standards
- Independently conduct comprehensive credit evaluations utilizing detailed financial analysis of tax returns, financial statements, and projected cash flows
- Exercise Credit Authority Discretion (CAD) in decision-making processes, managing high-profile escalations and processing loans within CAD limits up to AUD $3,000,000
- Ensure adherence to Bank's Credit Policy, Code of Banking Practice, and service level agreements while maintaining regulatory compliance
- Analyze and review special conditions, loan deficiencies, and exception requests to determine appropriate risk mitigation strategies
- Coordinate cross-functional operations between credit assessment, customer service, and operational departments to ensure smooth transaction flow
- Manage deferral tracking and monitoring while ensuring RBI compliance and regulatory adherence across all lending activities
- Execute billing and collections procedures for loan accounts, managing payment recovery operations and arrears management processes
- Execute client calling initiatives and relationship building activities to understand business dynamics and market conditions
- Pilot Decline Review Team initiatives, successfully improving positive decision rates and reducing reassessment reworks through process optimization
- Implement fraud prevention and detection protocols across all loan applications, utilizing risk evaluation techniques to identify and mitigate potential fraudulent activities
- Execute collections procedures for overdue accounts, managing payment recovery processes and implementing billing procedures to ensure timely loan repayments
- Manage end-to-end loan processing including pre-assessments, documentation verification, settlement, and drawdown coordination
- Prepare comprehensive credit summaries presenting facts and opinions on borrower creditworthiness and borrowing capacity
- Support team operations on BAU processes, ensuring loan applications completion within established SLAs
SENIOR ASSOCIATE – CUSTOMER AND PRODUCT
Tesco Business Services
Bangalore
01.2019 - 05.2022
- Managed comprehensive merchandising operations across Czech Republic, Slovakia, Hungary, and Poland.
- Oversaw reporting, store management, and distribution center stock management.
- Proactively managed order creation and stock allocation to ensure timely distribution.
- Executed supplier management processes including setup, master data management, and purchase order processing.
- Handled largest product categories such as Sports, Toys, DIY, and seasonal items.
- Led customer service operations, addressing inquiries and complaints with focus on risk evaluation.
- Coordinated billing and collections activities to recover payments promptly for overdue accounts.
- Prepared daily and weekly reports for stakeholders while conducting MIS analysis of orders.
Education
Master of Business Administration (MBA) - International Business
St. Joseph Evening College
Bengaluru03.2020
Bachelor of Business Administration (BBA) - Marketing
Kristu Jayanti College, Autonomous
Bengaluru04.2017
Skills
- Mortgage consultancy
- Credit assessment and underwriting
- Financial analysis and reporting
- Risk evaluation and mitigation
- Regulatory compliance and adherence
- Customer service excellence
- Relationship management
- Attention to detail
- Communication skills
- Decision making
- Loan application processing
- Mortgage closing and documentation
- Lending programs development
- Fraud prevention and detection
- Billing and collections procedures
- Cash flow analysis and trend analysis
- Secured lending assessment
- Operations management and process improvement
- Workflow management and quality assurance
- End-to-end transaction management
- Stakeholder collaboration and negotiation skills
Languages
English
Proficient (C2)
C2
Hindi
Native
Native
Telugu
Advanced (C1)
C1
Tamil
Intermediate (B1)
B1
Timeline
CREDIT ASSESSMENT OFFICER - HOME LOANS ASSESSMENT
Australia and New Zealand Banking Group (ANZ)
06.2022 - 06.2025
SENIOR ASSOCIATE – CUSTOMER AND PRODUCT
Tesco Business Services
01.2019 - 05.2022
Master of Business Administration (MBA) - International Business
St. Joseph Evening College
Bachelor of Business Administration (BBA) - Marketing
Kristu Jayanti College, Autonomous
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