Ritika Arora
Delhi
Summary
15 years of experience in mortgages- HL, LAP and Affordable housing. Presently working at IDFC First Bank as Area Credit Manager Since Feb 2019 Handling Team for Affordable Housing Segment for Delhi/NCR. MBA from Amity University with dual specialization in IB and Finance. Graduated from Delhi University in B.Com (H).
Overview
15
15
years of professional experience
1
1
Certification
Work History
Area Credit Manager- AHL
IDFC First Bank
02.2019 - Current
- Handling a team of Credit managers for Credit and Risk Assessment of proposals for HL cases upto 75 lacs.
- Delivering excellent TAT with continuous monitoring and hand holding.
- Account Monitoring- Keeping delinquency in control both through screening good underwritten files and constant follow ups.
- Compliance and Audit reviews
- Liaison with FI, Legal, technical, document verification and RCU to ensure regulatory compliance.
- PDD management, regular tracking and coordination with collection.
- Training on policy and contribution in betterment of processes for effective lending.
- Active participant for testing and implementation of new Software for Underwriting and portfolio analysis- SFDC.
Area Credit Manager
Incred Housing Finance Limited
08.2017 - 02.2019
Credit Manager
Religare Housing Development Finance Corporation Limited
08.2015 - 08.2017
Credit Manager
Reliance Housing Finance
08.2010 - 07.2015
Education
MBA - IB and Finance
Amity University
B.Com (H) - undefined
Delhi University
Skills
- Team Handling and Training
- Maintaining Portfolio Quality
- Cost and Vendor Management
Certification
- Have completed CRISIL Level 1/2/3 and level 4 program for underwriting powered by IDFC.
- Awarded best POD lead for 4 months in FY 23-24, 2 months in FY 24-25.
- Active member of testing of new Software for the Bank- SFDC and SFDC Dashboard.
- Awarded as Rising Star- Jan 2016- Mar 2016
- Awarded as Manager of the month – Feb 2016- RHDFCL
- You Did it – recognition for exemplary performance in Dec’15- Jan’16- RHDFCL
- Received a certificate for reduction in ops hold ratio in Reliance Home Finance
- Received a certificate for participation in a project involved in improving customer TAT in Reliance Home Finance.
- Received a certificate for improving FTR-Login Ratio- Reliance Home Finance
- ITS special education award in 2004 for excellence in commerce (International level).
References
References available on request
Timeline
Area Credit Manager- AHL
IDFC First Bank
02.2019 - Current
Area Credit Manager
Incred Housing Finance Limited
08.2017 - 02.2019
Credit Manager
Religare Housing Development Finance Corporation Limited
08.2015 - 08.2017
Credit Manager
Reliance Housing Finance
08.2010 - 07.2015
MBA - IB and Finance
Amity University
B.Com (H) - undefined
Delhi University